PackageTrendsPeer
Letter portraitLegal landscape

First Financial Services Group, National Association

Zanesville, OH · Cert 34213

FDIC

Q4 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Financial Services Group, National Association

Zanesville, OH · Cert 34213

FDIC

Q4 2005

$5.5MAssets
n/aLoans
n/aDeposits
$5.4MEquity

NIM

0.52%Q4 ’030.32%Q4 ’040.37%Q4 ’05-39%+16%

Non-interest income vs. expense

75.45%Q4 ’0373.89%Q4 ’0457.91%Q4 ’05+19%-68%

Executive Summary

  • Earnings: ROA of 34.67%, up 1,315 bps year over year; NIM at 0.37%.

Financial Results

Return on Assets (YTD, annualized)

34.67%+1,315 bps YoY

Net Interest Margin (YTD, annualized)

0.37%+5 bps YoY

Efficiency Ratio (YTD, annualized)

53.74%-1,748 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets21.52%37.30%37.96%35.34%34.67%+1,315 bps
Return on Equity24.21%40.81%40.65%37.47%36.49%+1,229 bps
Net Interest Margin0.32%0.34%0.37%0.37%0.37%+5 bps
Efficiency Ratio71.22%51.08%51.15%53.02%53.74%-1,748 bps
Non-Interest Burden-29.54%-56.92%-56.20%-54.46%-49.47%-1,994 bps
Growth
Asset Growth (YoY)3.00%14.24%-3.16%2.26%-2.35%-535 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital242%247%240%262%248%+551 bps
Equity / Assets90.92%91.84%97.59%96.90%98.05%+713 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets74.20%76.52%70.21%75.29%71.53%-267 bps
CRE / Total Capitaln/an/an/an/an/an/an/a