Shelby, OH · Cert 6697
FDIC
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.77% | -1.18% | -1.08% | -1.24% | -0.60% | -0.09% | -0.40% | +68 bps | |
| Return on Equity | 4.64% | 8.20% | -12.84% | -11.83% | -13.70% | -6.50% | -0.91% | -4.02% | +781 bps | |
| Net Interest Margin | 4.43% | 4.36% | 4.23% | 4.14% | 4.17% | 4.00% | 4.28% | 4.13% | -1 bps | |
| Efficiency Ratio | 54.62% | 56.44% | 59.77% | 64.86% | 73.03% | 68.75% | 67.84% | 74.43% | +957 bps | |
| Non-Interest Burden | 2.22% | 2.30% | 2.38% | 2.56% | 2.98% | 2.70% | 2.85% | 3.05% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.63% | 0.58% | -0.27% | -3.93% | -6.16% | -7.87% | -10.74% | -10.98% | -705 bps | |
| Loan Growth (YoY) | 2.67% | -0.38% | -7.46% | -17.51% | -23.98% | -27.17% | -27.68% | -24.40% | -689 bps | |
| Deposit Growth (YoY) | 8.63% | 1.51% | 1.17% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.58% | 0.94% | 4.59% | 4.24% | 5.82% | -0.12% | 0.41% | 0.72% | -352 bps | |
| Allowance / Loans | 2.40% | 2.61% | 3.42% | 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 | 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 | 14.06% | 14.55% | 12.85% | 13.50% | 14.42% | 18.22% | 18.07% | 18.46% | +497 bps | |
| Equity / Assets | 9.38% | 9.45% | 8.81% | 8.86% | 8.58% | 10.01% | 10.54% | 10.79% | +194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.82% | 71.53% | 70.00% | 64.75% | 58.99% | 56.71% | 57.69% | 56.14% | -861 bps | |
| Liquid Assets / Assets | 26.52% | 26.55% | 27.42% | 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 | n/a | n/a | n/a |