Zanesville, OH · Cert 34213
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 26.11% | 37.30% | 37.44% | 31.22% | 31.24% | +513 bps | |
| Return on Equity | 28.60% | 40.81% | 39.58% | 32.11% | 32.06% | +346 bps | |
| Net Interest Margin | 0.32% | 0.34% | 0.40% | 0.35% | 0.45% | +13 bps | |
| Efficiency Ratio | 64.50% | 51.08% | 51.22% | 56.99% | 56.05% | -845 bps | |
| Non-Interest Burden | -36.83% | -56.92% | -56.27% | -47.96% | -44.60% | -777 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 |