Lorain, OH · Cert 33400
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Lorain, OH · Cert 33400
FDIC
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 148.90% | 86.02% | 95.17% | 98.17% | 122.13% | 84.57% | 105.93% | 107.58% | +942 bps | |
| Return on Equity | 152.11% | 87.48% | 96.84% | 99.97% | 124.26% | 85.94% | 107.69% | 109.46% | +949 bps | |
| Net Interest Margin | 0.60% | 0.65% | 0.67% | 0.76% | 0.83% | 1.41% | 1.88% | 2.00% | +124 bps | |
| Efficiency Ratio | 43.14% | 48.94% | 47.93% | 52.33% | 47.83% | 53.57% | 47.07% | 47.85% | -448 bps | |
| Non-Interest Burden | -196.43% | -144.35% | -168.37% | -167.67% | -200% | -141.68% | -188.72% | -172.17% | -450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 146.42% | 48.25% | 6.82% | -3.18% | 8.28% | 0.76% | 8.27% | 2.70% | +588 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 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 | 273% | 369% | 368% | 372% | 208% | 354% | 345% | 359% | -1,323 bps | |
| Equity / Assets | 98.44% | 98.21% | 98.13% | 97.96% | 98.55% | 98.23% | 98.27% | 98.01% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.27% | 0.34% | 0.33% | 0.33% | 0.25% | 0.34% | 0.30% | 0.32% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |