Shelby, OH · Cert 6697
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.86% | -1.72% | -0.60% | 0.44% | -1.06% | -20 bps | |
| Return on Equity | -9.76% | -19.78% | -6.50% | 4.33% | -9.94% | -18 bps | |
| Net Interest Margin | 3.96% | 3.71% | 4.00% | 4.48% | 3.71% | -25 bps | |
| Efficiency Ratio | 75.53% | 101.60% | 68.75% | 67.00% | 89.52% | +1,400 bps | |
| Non-Interest Burden | 2.93% | 3.87% | 2.70% | 2.96% | 3.37% | +44 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.93% | -6.16% | -7.87% | -10.74% | -10.98% | -705 bps | |
| Loan Growth (YoY) | -17.51% | -23.98% | -27.17% | -27.68% | -24.40% | -689 bps | |
| Deposit Growth (YoY) | -2.17% | -4.87% | -8.14% | -12.26% | -12.81% | -1,064 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.52% | 9.14% | -0.12% | 0.95% | 1.29% | -122 bps | |
| Allowance / Loans | 3.90% | 3.44% | 4.88% | 5.13% | 6.13% | +222 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 13.50% | 14.42% | 18.22% | 18.07% | 18.46% | +497 bps | |
| Equity / Assets | 8.86% | 8.58% | 10.01% | 10.54% | 10.79% | +194 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.75% | 58.99% | 56.71% | 57.69% | 56.14% | -861 bps | |
| Liquid Assets / Assets | 25.69% | 22.69% | 36.52% | 0.09% | 0.05% | -2,565 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |