Cuyahoga Falls, OH · Cert 34920
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cuyahoga Falls, OH · Cert 34920
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.04% | 0.27% | 0.30% | 0.42% | -0.18% | -0.31% | -0.15% | -45 bps | |
| Return on Equity | 4.63% | 0.38% | 2.80% | 3.14% | 4.49% | -2.00% | -3.36% | -1.62% | -476 bps | |
| Net Interest Margin | 2.78% | 2.65% | 2.62% | 2.51% | 2.48% | 2.29% | 2.31% | 2.30% | -21 bps | |
| Efficiency Ratio | 77.18% | 98.18% | 86.97% | 85.94% | 81.32% | 106.30% | 111.53% | 105.10% | +1,916 bps | |
| Non-Interest Burden | 2.05% | 2.60% | 2.22% | 2.08% | 1.86% | 2.47% | 2.61% | 2.44% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.67% | 5.89% | 17.30% | 14.47% | 8.91% | 12.14% | 2.48% | -0.55% | -1,502 bps | |
| Loan Growth (YoY) | 24.95% | 18.39% | 16.02% | 7.29% | 8.43% | 5.72% | 2.28% | 1.91% | -538 bps | |
| Deposit Growth (YoY) | 11.48% | 4.73% | 12.52% | 14.75% | 10.52% | 20.66% | 8.59% | 8.98% | -577 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.02% | 0.02% | 0.01% | 0.25% | 0.14% | 0.10% | +9 bps | |
| Allowance / Loans | 0.90% | 0.91% | 0.86% | 0.87% | 0.82% | 0.79% | 0.77% | 0.77% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.56% | 16.78% | 16.50% | 16.47% | 15.88% | 15.85% | 15.89% | 16.27% | -20 bps | |
| Equity / Assets | 9.57% | 9.87% | 9.26% | 9.27% | 9.13% | 9.07% | 9.17% | 9.37% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 139.19% | 141.44% | 136.22% | 134.55% | 136.56% | 123.93% | 128.29% | 125.83% | -873 bps | |
| Liquid Assets / Assets | 5.51% | 5.40% | 5.68% | 6.99% | 4.79% | 7.94% | 3.80% | 3.24% | -376 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |