Wellsville, OH · Cert 30281
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wellsville, OH · Cert 30281
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 0.94% | 1.07% | 0.98% | 0.64% | 0.82% | 0.98% | 0.97% | -1 bps | |
| Return on Equity | 13.22% | 10.54% | 11.89% | 10.89% | 7.19% | 9.66% | 11.47% | 11.33% | +43 bps | |
| Net Interest Margin | 3.29% | 3.49% | 3.43% | 3.24% | 3.26% | 3.60% | 3.54% | 3.60% | +36 bps | |
| Efficiency Ratio | 68.60% | 74.55% | 72.31% | 74.81% | 76.36% | 78.53% | 75.24% | 75.80% | +99 bps | |
| Non-Interest Burden | 2.07% | 2.47% | 2.33% | 2.29% | 2.36% | 2.68% | 2.50% | 2.56% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.47% | 6.93% | 10.22% | 11.56% | 3.32% | 5.27% | 2.92% | 0.27% | -1,128 bps | |
| Loan Growth (YoY) | 15.30% | 15.96% | 15.78% | 17.57% | 14.80% | 9.22% | 5.31% | 2.48% | -1,509 bps | |
| Deposit Growth (YoY) | 7.27% | 14.46% | 14.71% | 17.97% | 16.14% | 10.13% | 7.99% | 1.76% | -1,621 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 | 0.01% | -0.05% | -0.02% | 0.01% | 0.01% | -0.02% | 0.02% | 0.03% | +3 bps | |
| Allowance / Loans | 0.70% | 0.69% | 0.67% | 0.65% | 1.05% | 1.09% | 1.09% | 1.10% | +45 bps | |
| 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 | 13.41% | 13.22% | 13.06% | 13.07% | 13.07% | 13.30% | 13.30% | 13.16% | +9 bps | |
| Equity / Assets | 8.98% | 8.92% | 9.13% | 8.96% | 8.58% | 8.48% | 8.45% | 8.76% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.33% | 82.76% | 84.22% | 83.99% | 84.35% | 82.07% | 82.13% | 84.59% | +60 bps | |
| Liquid Assets / Assets | 3.89% | 0.21% | 0.58% | 0.64% | 0.81% | 2.27% | 1.76% | 0.93% | +30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |