Bowling Green, OH · Cert 34779
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 12.92% | 29.10% | 8.09% | 17.44% | 9.94% | -298 bps | |
| Return on Equity | 15.38% | 36.24% | 11.06% | 23.60% | 11.69% | -370 bps | |
| Net Interest Margin | 1.11% | 0.83% | 0.66% | 0.54% | 0.47% | -64 bps | |
| Efficiency Ratio | 78.72% | 62.53% | 78.62% | 68.78% | 79.33% | +61 bps | |
| Non-Interest Burden | -18.30% | -44.78% | -12.43% | -27.31% | -14.55% | +375 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 |