Ripley, OH · Cert 6683
FDIC
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.68% | -0.51% | 0.40% | -2.13% | -2.62% | 5.15% | 1.29% | +89 bps | |
| Return on Equity | 11.59% | 11.83% | -9.14% | 7.80% | -35.26% | -40.85% | 65.08% | 15.64% | +783 bps | |
| Net Interest Margin | 3.43% | 3.65% | 3.75% | 3.75% | 3.72% | 3.82% | 3.54% | 3.69% | -6 bps | |
| Efficiency Ratio | 76.99% | 77.15% | 77.18% | 81.43% | 101.76% | 113.23% | 51.02% | 51.38% | -3,005 bps | |
| Non-Interest Burden | 2.47% | 2.65% | 2.73% | 2.96% | 3.79% | 4.38% | 1.47% | 1.62% | -134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.25% | 12.05% | -0.77% | -8.24% | -16.57% | -18.81% | 1564% | 1614% | +162,186 bps | |
| Loan Growth (YoY) | 30.66% | 19.28% | 16.79% | 4.82% | -8.13% | -15.06% | 1775% | 1877% | +187,251 bps | |
| Deposit Growth (YoY) | 29.79% | 12.13% | -1.10% | -12.14% | -18.29% | -21.19% | 1353% | 1411% | +142,301 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 | 0.04% | 0.04% | 0.51% | 0.35% | 3.42% | 3.52% | 0.18% | 0.23% | -12 bps | |
| Allowance / Loans | 0.58% | 0.60% | 2.67% | 2.77% | 2.77% | 2.86% | 1.29% | 1.29% | -148 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 | 8.57% | 8.86% | 8.15% | 13.33% | 12.86% | 12.30% | 10.66% | 10.90% | -242 bps | |
| Equity / Assets | 5.83% | 6.10% | 5.03% | 5.16% | 8.19% | 7.80% | 8.24% | 8.20% | +304 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.09% | 79.92% | 81.82% | 82.31% | 85.55% | 86.13% | 105.54% | 107.72% | +2,541 bps | |
| Liquid Assets / Assets | 4.38% | 4.53% | 7.06% | 7.12% | 8.10% | 8.64% | 0.50% | 0.48% | -664 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |