Nelsonville, OH · Cert 398
FDIC
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.90% | 0.83% | 0.83% | 0.81% | 0.40% | 0.59% | 0.57% | -25 bps | |
| Return on Equity | 11.56% | 12.92% | 11.81% | 11.54% | 11.18% | 5.38% | 7.77% | 7.64% | -390 bps | |
| Net Interest Margin | 3.63% | 3.68% | 3.63% | 3.65% | 3.68% | 3.62% | 3.45% | 3.40% | -25 bps | |
| Efficiency Ratio | 79.13% | 78.15% | 79.92% | 79.63% | 80.07% | 85.09% | 83.32% | 82.97% | +334 bps | |
| Non-Interest Burden | 2.67% | 2.65% | 2.70% | 2.71% | 2.75% | 2.96% | 2.74% | 2.68% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.77% | 2.36% | 0.98% | 0.38% | -5.31% | -4.98% | -2.15% | 3.96% | +358 bps | |
| Loan Growth (YoY) | -4.10% | -3.97% | -0.85% | -0.49% | 0.21% | 0.48% | -3.12% | -4.11% | -362 bps | |
| Deposit Growth (YoY) | 4.83% | 2.28% | 0.61% | 0.06% | -7.75% | -5.43% | -2.39% | 4.15% | +409 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 | 0.16% | 0.16% | 0.08% | 0.06% | 0.06% | 0.23% | 0.22% | 0.27% | +21 bps | |
| Allowance / Loans | 0.24% | 0.25% | 0.26% | 0.28% | 0.29% | 0.31% | 0.26% | 0.22% | -6 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 | 13.67% | 13.74% | 13.94% | 14.37% | 14.41% | 14.54% | 14.79% | 15.36% | +99 bps | |
| Equity / Assets | 7.03% | 6.96% | 7.22% | 7.47% | 7.57% | 7.45% | 7.60% | 7.46% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.89% | 86.58% | 92.41% | 93.63% | 97.65% | 91.99% | 91.72% | 86.20% | -742 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 |