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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 25.21% | 26.40% | 28.59% | 36.15% | 34.96% | +975 bps | |
| Return on Equity | 31.64% | 32.28% | 35.30% | 44.14% | 42.06% | +1,043 bps | |
| Net Interest Margin | 1.41% | 1.51% | 1.58% | 1.63% | 1.64% | +23 bps | |
| Efficiency Ratio | 79.03% | 77.63% | 76.49% | 73.76% | 73.99% | -504 bps | |
| Non-Interest Burden | -40.30% | -40.52% | -42.69% | -59.66% | -57.33% | -1,703 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -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 |
| 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 | 170.78% | 186.58% | 149.23% | 156.57% | 173.56% | +278 bps | |
| Equity / Assets | 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 bps | |
| Liquid Assets / Assets | 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 |