Bowling Green, OH · Cert 34779
FDIC
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 14.34% | 17.48% | 8.09% | 12.63% | 11.73% | -262 bps | |
| Return on Equity | 17.17% | 21.13% | 11.06% | 16.65% | 14.94% | -223 bps | |
| Net Interest Margin | 1.01% | 1.05% | 0.66% | 0.63% | 0.59% | -42 bps | |
| Efficiency Ratio | 74.50% | 70.99% | 78.62% | 72.98% | 74.94% | +44 bps | |
| Non-Interest Burden | -21.39% | -29.08% | -12.43% | -20.40% | -19.06% | +233 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.92% | -8.23% | -12.69% | -27.54% | -11.59% | -766 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| 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 | 778% | 489% | 797% | 812% | 4816% | +403,760 bps | |
| Equity / Assets | 81.34% | 79.36% | 66.65% | 82.37% | 87.84% | +650 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |