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First National Bank of New Holland, The

New Holland, OH · Cert 6658

FDIC

Q1 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

First National Bank of New Holland, The

New Holland, OH · Cert 6658

FDIC

Q1 2008

$22.7MAssets
$13.9MLoans
$20.7MDeposits
$1.8MEquity
Loan mix
74%RE $6.6M26%C&I $2.3M0%Consumer $0.0MQ1 2007Q1 2008
Deposit mix
77%Interest-bearing $15.9M23%Noninterest $4.7MQ1 2007Q1 2008

NIM

6.77%Q1 ’066.38%Q1 ’076.83%Q1 ’08-8%+9%

Non-interest income vs. expense

8.38%Q1 ’067.04%Q1 ’079.35%Q1 ’08-15%+45%

Executive Summary

  • Earnings: ROA of -3.72%, down 256 bps year over year; NIM at 5.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.99%.
  • Funding: loans stand at 67.48% of deposits as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-3.72%-256 bps YoY

Net Interest Margin (YTD, annualized)

5.26%+42 bps YoY

Efficiency Ratio (YTD, annualized)

159.04%+3,863 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-1.16%-1.70%-1.84%-1.69%-3.72%-256 bps
Return on Equity-10.72%-15.63%-17.61%-16.86%-46.28%-3,556 bps
Net Interest Margin4.84%4.81%4.83%4.63%5.26%+42 bps
Efficiency Ratio120.40%129.90%131.94%129.45%159.04%+3,863 bps
Non-Interest Burden6.03%6.60%6.77%6.35%8.73%+270 bps
Growth
Asset Growth (YoY)-4.31%-9.43%-7.31%-9.83%-5.16%-86 bps
Loan Growth (YoY)-17.66%-7.99%-8.64%-4.65%-5.58%+1,207 bps
Deposit Growth (YoY)-11.52%-12.61%-5.61%-8.43%-1.84%+968 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.33%1.48%3.67%2.76%4.99%+266 bps
Allowance / Loans7.25%6.59%5.03%5.17%4.32%-293 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.20%15.48%14.05%14.37%12.45%-474 bps
Equity / Assets11.10%11.05%9.02%8.33%7.74%-336 bps
Liquidity & Funding
Loans / Deposits70.16%79.56%75.89%70.54%67.48%-268 bps
Liquid Assets / Assets0.46%0.55%0.59%0.56%0.57%+11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a