Columbus, OH · Cert 35184
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.89% | 1.01% | 1.09% | 1.05% | 0.99% | 0.89% | 1.04% | -5 bps | |
| Return on Equity | 10.84% | 12.06% | 13.87% | 14.48% | 13.79% | 13.39% | 11.74% | 13.16% | -132 bps | |
| Net Interest Margin | 4.16% | 3.67% | 3.63% | 3.76% | 3.63% | 3.37% | 3.28% | 3.55% | -21 bps | |
| Efficiency Ratio | 51.51% | 57.71% | 52.02% | 50.08% | 53.27% | 58.64% | 58.77% | 54.30% | +421 bps | |
| Non-Interest Burden | 1.84% | 1.97% | 1.70% | 1.60% | 1.81% | 1.88% | 1.80% | 1.80% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 70.04% | 77.28% | 62.30% | 45.90% | 33.39% | 24.28% | 21.25% | 19.44% | -2,646 bps | |
| Loan Growth (YoY) | 72.90% | 76.80% | 74.89% | 68.26% | 40.17% | 34.76% | 28.36% | 20.46% | -4,780 bps | |
| Deposit Growth (YoY) | 65.74% | 92.25% | 73.07% | 42.28% | 26.79% | 24.52% | 20.66% | 18.43% | -2,385 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% | 0.00% | 0.01% | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% | -8 bps | |
| Allowance / Loans | 1.12% | 1.13% | 1.12% | 1.10% | 1.10% | 1.09% | 1.07% | 1.06% | -5 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 | 10.37% | 10.63% | 10.38% | 10.67% | 10.65% | 10.36% | 10.86% | 10.57% | -11 bps | |
| Equity / Assets | 7.59% | 7.23% | 7.32% | 7.74% | 7.56% | 7.21% | 7.94% | 7.87% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.57% | 90.94% | 98.96% | 112.90% | 113.40% | 98.41% | 105.28% | 114.83% | +193 bps | |
| Liquid Assets / Assets | 0.07% | 0.00% | 1.80% | 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 | n/a | n/a | n/a |