PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

May National Bank of Ohio

Lorain, OH · Cert 33400

FDIC

Q3 2005

$31.0MAssets
n/aLoans
$500KDeposits
$30.4MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ3 2004Q3 2005

NIM

0.81%Q3 ’030.86%Q3 ’042.07%Q3 ’05+16%+163%

Non-interest income vs. expense

159.57%Q3 ’03184.89%Q3 ’04159.81%Q3 ’05+8%-3%

Executive Summary

  • Earnings: ROA of 107.58%, up 942 bps year over year; NIM at 2.00%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

107.58%+942 bps YoY

Net Interest Margin (YTD, annualized)

2.00%+124 bps YoY

Efficiency Ratio (YTD, annualized)

47.85%-448 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets98.17%122.13%84.57%105.93%107.58%+942 bps
Return on Equity99.97%124.26%85.94%107.69%109.46%+949 bps
Net Interest Margin0.76%0.83%1.41%1.88%2.00%+124 bps
Efficiency Ratio52.33%47.83%53.57%47.07%47.85%-448 bps
Non-Interest Burden-167.67%-200%-141.68%-188.72%-172.17%-450 bps
Growth
Asset Growth (YoY)-3.18%8.28%0.76%8.27%2.70%+588 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital372%208%354%345%359%-1,323 bps
Equity / Assets97.96%98.55%98.23%98.27%98.01%+4 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.33%0.25%0.34%0.30%0.32%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a