Milford, OH · Cert 33487
FDIC
Q3 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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 37.39% | 39.80% | 28.41% | 31.52% | 32.33% | -506 bps | |
| Return on Equity | 64.68% | 67.57% | 48.40% | 51.34% | 51.61% | -1,306 bps | |
| Net Interest Margin | 1.11% | 0.84% | 0.25% | 0.22% | 0.16% | -95 bps | |
| Efficiency Ratio | 15.96% | 15.32% | 24.13% | 19.46% | 18.71% | +275 bps | |
| Non-Interest Burden | -57.53% | -55.61% | -45.79% | -48.05% | -50.74% | +679 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.42% | -10.03% | -4.66% | -8.33% | -9.25% | -1,267 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 26.78% | -20.14% | -9.32% | -33.08% | -36.60% | -6,339 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 | 332% | 367% | 306% | 316% | 314% | -1,788 bps | |
| Equity / Assets | 58.40% | 64.44% | 54.42% | 66.71% | 66.35% | +795 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 1.01% | 1.32% | 1.23% | 1.12% | 1.12% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |