New Holland, OH · Cert 6658
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Holland, OH · Cert 6658
FDIC
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.80% | -0.73% | 0.09% | -1.16% | -1.70% | -1.84% | -1.69% | -3.72% | -256 bps | |
| Return on Equity | -15.66% | -11.25% | 1.24% | -10.72% | -15.63% | -17.61% | -16.86% | -46.28% | -3,556 bps | |
| Net Interest Margin | 5.04% | 4.90% | 5.16% | 4.84% | 4.81% | 4.83% | 4.63% | 5.26% | +42 bps | |
| Efficiency Ratio | 102.00% | 103.75% | 95.71% | 120.40% | 129.90% | 131.94% | 129.45% | 159.04% | +3,863 bps | |
| Non-Interest Burden | 5.20% | 5.18% | 4.82% | 6.03% | 6.60% | 6.77% | 6.35% | 8.73% | +270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.77% | -19.41% | -7.65% | -4.31% | -9.43% | -7.31% | -9.83% | -5.16% | -86 bps | |
| Loan Growth (YoY) | -33.75% | -28.83% | -23.67% | -17.66% | -7.99% | -8.64% | -4.65% | -5.58% | +1,207 bps | |
| Deposit Growth (YoY) | -21.65% | -23.92% | -13.82% | -11.52% | -12.61% | -5.61% | -8.43% | -1.84% | +968 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 | 2.84% | 3.72% | 2.86% | 2.33% | 1.48% | 3.67% | 2.76% | 4.99% | +266 bps | |
| Allowance / Loans | 8.02% | 7.16% | 7.51% | 7.25% | 6.59% | 5.03% | 5.17% | 4.32% | -293 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 | 11.35% | 14.99% | 16.12% | 17.20% | 15.48% | 14.05% | 14.37% | 12.45% | -474 bps | |
| Equity / Assets | 7.89% | 10.82% | 10.59% | 11.10% | 11.05% | 9.02% | 8.33% | 7.74% | -336 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.56% | 78.41% | 67.74% | 70.16% | 79.56% | 75.89% | 70.54% | 67.48% | -268 bps | |
| Liquid Assets / Assets | 0.57% | 0.58% | 0.51% | 0.46% | 0.55% | 0.59% | 0.56% | 0.57% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |