Lorain, OH · Cert 33400
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 105.73% | 197.79% | 84.57% | 137.15% | 110.44% | +471 bps | |
| Return on Equity | 107.84% | 201% | 85.94% | 139.59% | 112.54% | +470 bps | |
| Net Interest Margin | 0.96% | 1.24% | 1.41% | 2.24% | 2.55% | +159 bps | |
| Efficiency Ratio | 58.92% | 40.24% | 53.57% | 41.48% | 49.38% | -955 bps | |
| Non-Interest Burden | -173.27% | -341% | -141.68% | -224% | -169.63% | +364 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 372% | 208% | 354% | 345% | 359% | -1,323 bps | |
| Equity / Assets | 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 bps | |
| Liquid Assets / Assets | 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 |