Columbus, OH · Cert 6559
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 | 1.66% | 1.39% | 1.31% | 1.16% | 0.81% | 1.89% | 1.80% | -2.29% | -345 bps | |
| Return on Equity | 30.04% | 25.91% | 24.11% | 20.95% | 15.54% | 38.56% | 35.75% | -25.72% | -4,667 bps | |
| Net Interest Margin | 4.44% | 4.59% | 4.39% | 4.39% | 4.51% | 4.69% | 4.26% | -4.47% | -886 bps | |
| Efficiency Ratio | 54.37% | 56.39% | 54.02% | 50.99% | 49.21% | 45.82% | 53.32% | 58.75% | +777 bps | |
| Non-Interest Burden | 1.37% | 1.64% | 1.60% | 1.26% | 1.15% | 0.91% | 1.03% | -0.38% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.16% | 24.62% | 21.34% | 16.20% | 23.01% | 16.31% | 1.75% | 8.28% | -793 bps | |
| Loan Growth (YoY) | 23.69% | 27.24% | 46.62% | 36.17% | 35.46% | 28.29% | 4.52% | 0.18% | -3,598 bps | |
| Deposit Growth (YoY) | 1.96% | 13.09% | 17.42% | 18.85% | 13.71% | -3.53% | -4.11% | -7.91% | -2,676 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 | 0.64% | 0.73% | 1.23% | 1.09% | 3.21% | 0.92% | 0.46% | -0.72% | -181 bps | |
| Allowance / Loans | 1.47% | 1.46% | 1.43% | 1.53% | 1.24% | 1.23% | 1.25% | 1.25% | -28 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 | 12.23% | 12.12% | 11.93% | 11.98% | 11.13% | 10.96% | 11.13% | 12.05% | +7 bps | |
| Equity / Assets | 5.38% | 5.35% | 5.54% | 5.54% | 4.94% | 4.89% | 5.20% | 12.37% | +682 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 255% | 238% | 297% | 298% | 304% | 317% | 324% | 324% | +2,616 bps | |
| Liquid Assets / Assets | 0.81% | 1.43% | 1.17% | 1.04% | 0.84% | 1.06% | 1.15% | 1.20% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |