Youngstown, OH · Cert 32298
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.22% | 1.37% | 1.52% | 1.47% | 0.92% | 1.32% | 1.45% | -6 bps | |
| Return on Equity | n/a | n/a | 19.23% | 20.76% | 20.63% | 12.98% | 18.88% | 20.52% | -24 bps | |
| Net Interest Margin | n/a | 4.10% | 4.30% | 4.47% | 4.42% | 4.40% | 4.28% | 4.33% | -14 bps | |
| Efficiency Ratio | n/a | 64.06% | 61.31% | 57.86% | 55.67% | 72.37% | 60.95% | 57.89% | +3 bps | |
| Non-Interest Burden | n/a | 2.24% | 2.23% | 2.14% | 1.96% | 2.88% | 2.18% | 2.01% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.44% | 24.43% | -3.06% | -1.16% | 3.83% | 1.70% | 7.99% | 7.95% | +911 bps | |
| Loan Growth (YoY) | 22.05% | 20.67% | -5.01% | -3.15% | 2.87% | 4.10% | 6.58% | 8.16% | +1,130 bps | |
| Deposit Growth (YoY) | 21.40% | 26.38% | -1.30% | 1.53% | 5.77% | -0.09% | 6.65% | 3.24% | +171 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 | n/a | 0.03% | 0.15% | 0.12% | 1.14% | 0.01% | 0.16% | 0.09% | -3 bps | |
| Allowance / Loans | n/a | 1.27% | 1.23% | 1.20% | 0.99% | 1.01% | 0.99% | 0.99% | -22 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 | n/a | 10.83% | 11.21% | 10.72% | 10.58% | 10.81% | 10.34% | 10.66% | -6 bps | |
| Equity / Assets | n/a | 6.90% | 7.40% | 7.21% | 7.00% | 7.13% | 6.90% | 7.24% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.49% | 84.48% | 89.94% | 88.82% | 86.07% | 88.02% | 89.88% | 93.05% | +423 bps | |
| Liquid Assets / Assets | 0.00% | 0.14% | 0.04% | 0.06% | 0.93% | 0.93% | 1.01% | 0.99% | +93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |