Zanesville, OH · Cert 34213
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Zanesville, OH · Cert 34213
FDIC
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 21.52% | 37.30% | 37.96% | 35.34% | 34.67% | +1,315 bps | |
| Return on Equity | 24.21% | 40.81% | 40.65% | 37.47% | 36.49% | +1,229 bps | |
| Net Interest Margin | 0.32% | 0.34% | 0.37% | 0.37% | 0.37% | +5 bps | |
| Efficiency Ratio | 71.22% | 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/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 242% | 247% | 240% | 262% | 248% | +551 bps | |
| Equity / Assets | 90.92% | 91.84% | 97.59% | 96.90% | 98.05% | +713 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 74.20% | 76.52% | 70.21% | 75.29% | 71.53% | -267 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |