Norwalk, OH · Cert 6664
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Norwalk, OH · Cert 6664
FDIC
Q1 2002
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.02% | 1.03% | 0.96% | 0.97% | 0.97% | 0.97% | 0.81% | -15 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.86% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.88% | 3.72% | 3.73% | 3.70% | 4.13% | +25 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 62.69% | 64.00% | 63.69% | 62.11% | 66.88% | +419 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.18% | 2.13% | 2.12% | 2.01% | 2.76% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.24% | -2.03% | 2.89% | 2.21% | 5.55% | 6.61% | -0.74% | -6.38% | -858 bps | |
| Loan Growth (YoY) | 6.08% | 4.19% | 9.79% | 9.87% | 4.35% | 6.08% | -2.45% | -7.68% | -1,755 bps | |
| Deposit Growth (YoY) | -8.38% | -4.02% | -2.25% | 3.03% | 13.65% | 10.03% | 3.80% | -4.31% | -734 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 | n/a | n/a | n/a | 0.25% | 0.31% | 0.28% | 0.28% | 0.10% | -15 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.18% | 1.20% | 1.18% | 1.37% | 1.44% | +26 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 | n/a | n/a | n/a | 11.86% | 11.90% | 11.91% | 12.11% | 10.88% | -98 bps | |
| Equity / Assets | n/a | n/a | n/a | 10.30% | 10.00% | 10.26% | 10.42% | 10.31% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.78% | 87.59% | 90.04% | 90.52% | 82.44% | 84.44% | 84.62% | 87.33% | -319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.71% | 0.74% | 0.09% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |