Worthington, OH · Cert 33433
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Worthington, OH · Cert 33433
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.90% | 0.76% | 0.79% | 0.79% | 0.66% | 0.56% | 0.14% | -65 bps | |
| Return on Equity | 5.73% | 6.31% | 5.55% | 5.77% | 5.82% | 4.89% | 4.23% | 1.06% | -471 bps | |
| Net Interest Margin | 3.14% | 3.15% | 3.38% | 3.40% | 3.29% | 3.25% | 3.13% | 3.20% | -20 bps | |
| Efficiency Ratio | 54.48% | 52.78% | 56.74% | 56.37% | 54.75% | 55.31% | 57.79% | 58.09% | +172 bps | |
| Non-Interest Burden | 1.75% | 1.66% | 1.98% | 1.97% | 1.84% | 1.88% | 1.87% | 1.91% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.39% | 12.30% | 12.46% | 13.14% | 12.76% | 11.66% | 8.06% | 5.29% | -785 bps | |
| Loan Growth (YoY) | 12.22% | 15.74% | 17.62% | 16.36% | 16.07% | 13.23% | 6.51% | 1.76% | -1,460 bps | |
| Deposit Growth (YoY) | 7.92% | 9.94% | 7.77% | 12.24% | 17.84% | 15.61% | 10.41% | 9.14% | -311 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 | 0.18% | 0.21% | 0.01% | 0.00% | 0.05% | 0.22% | 0.10% | 0.27% | +27 bps | |
| Allowance / Loans | 0.86% | 0.84% | 0.88% | 0.94% | 0.98% | 0.95% | 1.07% | 1.49% | +55 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 | 10.76% | 10.76% | 10.59% | 10.68% | 10.58% | 10.58% | 10.99% | 11.21% | +53 bps | |
| Equity / Assets | 13.84% | 13.95% | 13.62% | 13.57% | 13.09% | 13.01% | 13.22% | 13.25% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.77% | 119.79% | 122.15% | 121.17% | 115.99% | 117.33% | 117.84% | 112.98% | -819 bps | |
| Liquid Assets / Assets | 0.04% | 0.10% | 0.10% | 0.04% | 0.04% | 0.04% | 0.03% | 0.67% | +63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |