Montgomery, OH · Cert 57089
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.42% | 0.36% | 0.64% | 0.85% | 0.51% | 0.32% | 0.54% | -10 bps | |
| Return on Equity | 5.86% | 2.45% | 2.09% | 3.67% | 4.84% | 2.90% | 1.80% | 2.99% | -68 bps | |
| Net Interest Margin | 2.40% | 2.63% | 2.51% | 2.58% | 2.37% | 2.03% | 2.00% | 2.05% | -53 bps | |
| Efficiency Ratio | 71.19% | 85.14% | 87.00% | 79.84% | 75.30% | 81.51% | 88.81% | 83.22% | +338 bps | |
| Non-Interest Burden | 1.42% | 2.19% | 2.15% | 1.93% | 1.53% | 1.52% | 1.69% | 1.50% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.57% | 1.23% | -1.83% | -3.79% | 0.87% | 2.19% | 0.51% | 1.22% | +501 bps | |
| Loan Growth (YoY) | -1.95% | -1.14% | -3.47% | -6.74% | -7.87% | -10.23% | -7.63% | -7.42% | -69 bps | |
| Deposit Growth (YoY) | -3.95% | 0.88% | 7.68% | 4.27% | 11.41% | 8.81% | 3.06% | 0.71% | -356 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.79% | 0.80% | 0.81% | 0.85% | 0.86% | 0.89% | 0.88% | 0.92% | +7 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 | 23.81% | 23.62% | 24.15% | 25.74% | 26.43% | 27.06% | 27.46% | 28.82% | +309 bps | |
| Equity / Assets | 17.34% | 17.21% | 17.53% | 17.78% | 17.61% | 17.70% | 18.27% | 18.34% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.58% | 105.79% | 102.70% | 95.39% | 90.62% | 87.27% | 92.05% | 87.69% | -770 bps | |
| Liquid Assets / Assets | 17.45% | 17.18% | 18.02% | 20.11% | 24.34% | 27.20% | 23.62% | 26.82% | +671 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |