Greenville, OH · Cert 6596
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.30% | 1.12% | 1.30% | 1.27% | 1.05% | 1.20% | 1.24% | -6 bps | |
| Return on Equity | 19.34% | 24.12% | 22.23% | 25.52% | 26.45% | 21.22% | 22.89% | 23.85% | -167 bps | |
| Net Interest Margin | 2.96% | 3.22% | 3.15% | 3.15% | 3.12% | 3.12% | 3.30% | 3.29% | +14 bps | |
| Efficiency Ratio | 54.74% | 47.77% | 55.89% | 50.01% | 50.01% | 52.16% | 46.91% | 45.11% | -491 bps | |
| Non-Interest Burden | 1.33% | 1.24% | 1.49% | 1.22% | 1.18% | 1.32% | 1.18% | 1.17% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | 1.36% | 2.43% | 1.90% | 10.23% | 9.37% | 13.97% | 14.50% | +1,260 bps | |
| Loan Growth (YoY) | 11.39% | 11.64% | 11.63% | 10.40% | 10.02% | 9.91% | 8.48% | 7.78% | -262 bps | |
| Deposit Growth (YoY) | -1.94% | -0.64% | 5.16% | 6.71% | 2.34% | -0.89% | 4.73% | 7.78% | +107 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 | 0.05% | 0.06% | 0.05% | 0.05% | 0.06% | 0.32% | 0.55% | 0.42% | +37 bps | |
| Allowance / Loans | 1.89% | 1.85% | 1.83% | 1.77% | 1.74% | 1.74% | 1.73% | 1.70% | -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 | 13.54% | 10.64% | 11.13% | 10.90% | 10.45% | 10.68% | 10.62% | 10.75% | -15 bps | |
| Equity / Assets | 5.95% | 4.82% | 5.25% | 4.93% | 4.69% | 5.17% | 5.27% | 5.14% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.73% | 91.31% | 92.75% | 95.84% | 97.55% | 101.25% | 96.06% | 95.84% | 0 bps | |
| Liquid Assets / Assets | 3.65% | 3.61% | 3.63% | 3.58% | 3.18% | 3.17% | 3.08% | 3.05% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |