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 34.67%, up 1,315 bps year over year; NIM at 0.37%.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets15.31%13.58%19.73%21.52%37.30%37.96%35.34%34.67%+1,315 bps
Return on Equity17.50%15.57%22.32%24.21%40.81%40.65%37.47%36.49%+1,229 bps
Net Interest Margin0.30%0.37%0.37%0.32%0.34%0.37%0.37%0.37%+5 bps
Efficiency Ratio79.39%82.69%73.49%71.22%51.08%51.15%53.02%53.74%-1,748 bps
Non-Interest Burden-23.37%-21.06%-30.86%-29.54%-56.92%-56.20%-54.46%-49.47%-1,994 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