PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Financial Services Group, National Association

Zanesville, OH · Cert 34213

FDIC

Q4 2005

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

Executive Summary

  • Earnings: ROA of 31.24%, up 513 bps year over year; NIM at 0.45%.

Return on Assets (quarter, annualized)

31.24%+513 bps YoY

Net Interest Margin (quarter, annualized)

0.45%+13 bps YoY

Efficiency Ratio (quarter, annualized)

56.05%-845 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.66%Q4 ’030.32%Q4 ’040.45%Q4 ’05-51%+41%

Non-interest income vs. expense

87.96%Q4 ’0367.49%Q4 ’0457.46%Q4 ’05-102%-21%

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets15.31%12.09%31.29%26.11%37.30%37.44%31.22%31.24%+513 bps
Return on Equity17.50%13.69%35.06%28.60%40.81%39.58%32.11%32.06%+346 bps
Net Interest Margin0.30%0.45%0.37%0.32%0.34%0.40%0.35%0.45%+13 bps
Efficiency Ratio79.39%85.54%52.95%64.50%51.08%51.22%56.99%56.05%-845 bps
Non-Interest Burden-23.37%-18.80%-51.09%-36.83%-56.92%-56.27%-47.96%-44.60%-777 bps
Growth
Asset Growth (YoY)10.82%6.63%-0.82%3.00%14.24%-3.16%2.26%-2.35%-535 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital223%205%249%242%247%240%262%248%+551 bps
Equity / Assets89.92%86.75%91.66%90.92%91.84%97.59%96.90%98.05%+713 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets72.37%70.02%76.83%74.20%76.52%70.21%75.29%71.53%-267 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a