Milford, OH · Cert 33487
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 37.11% | 44.53% | 28.41% | 32.33% | 33.94% | -317 bps | |
| Return on Equity | 62.50% | 72.96% | 48.40% | 53.72% | 51.01% | -1,149 bps | |
| Net Interest Margin | 0.64% | 0.21% | 0.25% | 0.23% | 0.02% | -62 bps | |
| Efficiency Ratio | 15.06% | 13.42% | 24.13% | 15.70% | 17.18% | +211 bps | |
| Non-Interest Burden | -57.85% | -58.45% | -45.79% | -55.71% | -51.09% | +676 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 |