Pepper Pike, OH · Cert 35403
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Pepper Pike, OH · Cert 35403
FDIC
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 24.04% | 23.15% | 25.20% | 25.21% | 26.40% | 28.59% | 36.15% | 34.96% | +975 bps | |
| Return on Equity | 30.01% | 29.30% | 32.25% | 31.64% | 32.28% | 35.30% | 44.14% | 42.06% | +1,043 bps | |
| Net Interest Margin | 0.95% | 1.13% | 1.32% | 1.41% | 1.51% | 1.58% | 1.63% | 1.64% | +23 bps | |
| Efficiency Ratio | 76.00% | 77.31% | 79.43% | 79.03% | 77.63% | 76.49% | 73.76% | 73.99% | -504 bps | |
| Non-Interest Burden | -36.43% | -38.05% | -41.12% | -40.30% | -40.52% | -42.69% | -59.66% | -57.33% | -1,703 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -26.18% | 3.21% | 2.56% | -2.49% | -7.48% | 2.61% | 5.35% | 9.56% | +1,205 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 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% | 0.00% | 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 | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| 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 | 185.38% | 116.95% | 149.55% | 170.78% | 186.58% | 149.23% | 156.57% | 173.56% | +278 bps | |
| Equity / Assets | 79.79% | 74.37% | 81.97% | 82.60% | 87.66% | 77.76% | 86.01% | 85.27% | +267 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 47.56% | 54.22% | 50.91% | 58.64% | 60.32% | 55.43% | 35.64% | 42.69% | -1,595 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |