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Letter portraitLegal landscapeQuarterYTD

Ripley National Bank, The

Ripley, OH · Cert 6683

FDIC

Q1 2005

$1.1BAssets
$935.4MLoans
$868.4MDeposits
$90.2MEquity
Loan mix
63%RE $277.5M36%C&I $160.4M1%Consumer $2.9MQ1 2004Q1 2005
Deposit mix
91%Interest-bearing $786.3M9%Noninterest $82.1MQ1 2004Q1 2005

NIM

5.79%Q1 ’035.87%Q1 ’045.88%Q1 ’05+18%-2%

Non-interest income vs. expense

2.75%Q1 ’033.45%Q1 ’042.24%Q1 ’05+28%-45%

Executive Summary

  • Earnings: ROA of 1.29%, up 89 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
  • Funding: loans stand at 107.72% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

1.29%+89 bps YoY

Net Interest Margin (quarter, annualized)

3.69%-6 bps YoY

Efficiency Ratio (quarter, annualized)

51.38%-3,005 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.40%-4.79%-3.77%10.42%1.29%+89 bps
Return on Equity7.80%-72.79%-47.17%126.74%15.64%+783 bps
Net Interest Margin3.75%3.43%3.10%13.57%3.69%-6 bps
Efficiency Ratio81.43%126.33%143.99%48.54%51.38%-3,005 bps
Non-Interest Burden2.96%4.42%4.63%5.22%1.62%-134 bps
Growth
Asset Growth (YoY)-8.24%-16.57%-18.81%1564%1614%+162,186 bps
Loan Growth (YoY)4.82%-8.13%-15.06%1775%1877%+187,251 bps
Deposit Growth (YoY)-12.14%-18.29%-21.19%1353%1411%+142,301 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.35%6.46%3.24%0.25%0.23%-12 bps
Allowance / Loans2.77%2.77%2.86%1.29%1.29%-148 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 Capital13.33%12.86%12.30%10.66%10.90%-242 bps
Equity / Assets5.16%8.19%7.80%8.24%8.20%+304 bps
Liquidity & Funding
Loans / Deposits82.31%85.55%86.13%105.54%107.72%+2,541 bps
Liquid Assets / Assets7.12%8.10%8.64%0.50%0.48%-664 bps
CRE / Total Capitaln/an/an/an/an/an/an/a