Defiance, OH · Cert 34544
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 22.38% | 27.06% | 28.67% | 39.74% | 17.70% | -467 bps | |
| Return on Equity | 26.57% | 31.14% | 31.86% | 43.91% | 19.33% | -724 bps | |
| Net Interest Margin | 2.27% | 2.62% | 2.64% | 2.68% | 2.80% | +53 bps | |
| Efficiency Ratio | 73.75% | 70.21% | 66.31% | 59.62% | 79.08% | +532 bps | |
| Non-Interest Burden | -32.73% | -45.09% | -43.80% | -61.59% | -27.60% | +513 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.17% | -7.62% | 3.79% | -9.42% | 0.39% | -178 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 | 221% | 259% | 263% | 240% | 235% | +1,484 bps | |
| Equity / Assets | 81.53% | 92.53% | 87.75% | 93.77% | 89.62% | +810 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 67.96% | 63.27% | 62.88% | 62.55% | 65.27% | -269 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |