Hicksville, OH · Cert 30045
FDIC
Q2 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.89% | -2.97% | -15.21% | -8.54% | -5.86% | -0.64% | 0.62% | 0.54% | +908 bps | |
| Return on Equity | -56.50% | -44.66% | -376% | -249% | -185.44% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 2.73% | 2.76% | 1.82% | 2.23% | 2.13% | n/a | n/a | n/a | n/a | |
| Efficiency Ratio | 108.75% | 116.15% | 712% | 409% | 298% | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | 3.01% | 3.27% | 15.30% | 10.54% | 8.53% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.49% | -12.81% | -23.02% | -25.91% | -29.37% | 5025% | 5656% | 5949% | +597,504 bps | |
| Loan Growth (YoY) | -0.88% | -18.49% | -27.36% | -32.01% | -39.30% | 5426% | 5991% | 6423% | +645,454 bps | |
| Deposit Growth (YoY) | 6.33% | -8.70% | -15.91% | -21.30% | -26.91% | 4426% | 4994% | 5296% | +531,713 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.51% | 5.05% | 6.20% | 2.07% | 1.21% | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 5.55% | 2.33% | 1.57% | 2.33% | 2.29% | n/a | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.06% | 9.70% | 2.63% | 1.98% | 2.18% | n/a | n/a | n/a | n/a | |
| Equity / Assets | 5.01% | 5.60% | 2.29% | 2.06% | 2.21% | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.21% | 94.55% | 94.87% | 93.13% | 87.38% | 115.44% | 113.44% | 112.58% | +1,945 bps | |
| Liquid Assets / Assets | 2.90% | 10.69% | 8.04% | 12.89% | 17.86% | 0.00% | 0.00% | 0.00% | -1,289 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |