Ironton, OH · Cert 34017
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Ironton, OH · Cert 34017
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.43% | 0.98% | 0.26% | 0.50% | 0.73% | 1.01% | 1.14% | +89 bps | |
| Return on Equity | 16.47% | 16.75% | 12.05% | 3.08% | 5.92% | 8.45% | 11.23% | 13.11% | +1,002 bps | |
| Net Interest Margin | 4.17% | 4.15% | 3.97% | 3.87% | 4.09% | 4.10% | 3.94% | 3.73% | -14 bps | |
| Efficiency Ratio | 53.45% | 53.09% | 61.11% | 60.67% | 62.80% | 60.13% | 54.50% | 54.04% | -663 bps | |
| Non-Interest Burden | 1.91% | 1.89% | 2.20% | 2.11% | 2.32% | 2.19% | 1.87% | 1.73% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.32% | 3.17% | 3.20% | 5.06% | 2.71% | -0.08% | 0.12% | 9.83% | +478 bps | |
| Loan Growth (YoY) | 4.34% | 6.48% | 8.85% | 7.16% | -1.71% | -2.90% | -2.55% | 0.20% | -696 bps | |
| Deposit Growth (YoY) | 3.98% | 0.93% | 4.43% | 5.87% | 2.09% | 2.26% | 0.22% | 13.22% | +736 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 | 0.12% | 0.07% | 0.35% | 0.19% | 0.22% | 1.15% | 0.15% | 0.29% | +10 bps | |
| Allowance / Loans | 0.92% | 0.99% | 1.01% | 2.05% | 2.04% | 1.12% | 1.30% | 1.23% | -83 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 | 15.48% | 15.57% | 15.89% | 16.30% | 16.97% | 17.10% | 17.05% | 16.53% | +22 bps | |
| Equity / Assets | 8.86% | 8.21% | 8.12% | 8.47% | 9.14% | 9.09% | 8.88% | 8.27% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.63% | 80.37% | 75.64% | 75.15% | 77.63% | 76.31% | 73.55% | 66.50% | -865 bps | |
| Liquid Assets / Assets | 0.35% | 0.19% | 0.35% | 0.26% | 0.83% | 0.14% | 0.22% | 0.27% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |