Urbana, OH · Cert 6714
FDIC
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.89% | 1.12% | 1.12% | 1.20% | 1.14% | 0.72% | 0.85% | -27 bps | |
| Return on Equity | 0.18% | 8.97% | 11.10% | 10.98% | 12.00% | 12.22% | 7.75% | 9.01% | -198 bps | |
| Net Interest Margin | 4.20% | 4.24% | 4.44% | 4.35% | 4.27% | 4.06% | 3.84% | 3.91% | -44 bps | |
| Efficiency Ratio | 66.13% | 72.59% | 69.14% | 69.06% | 67.99% | 71.05% | 72.23% | 70.22% | +115 bps | |
| Non-Interest Burden | 2.51% | 2.89% | 2.84% | 2.77% | 2.58% | 2.67% | 2.57% | 2.52% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.30% | -5.36% | -4.41% | 0.26% | 1.52% | 3.19% | 5.09% | 2.53% | +227 bps | |
| Loan Growth (YoY) | -11.33% | -7.32% | -4.04% | 2.37% | 4.53% | 4.45% | 3.32% | -0.22% | -259 bps | |
| Deposit Growth (YoY) | -9.85% | -8.50% | -7.68% | 1.25% | 4.44% | 4.23% | 8.52% | 1.66% | +41 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 | 2.51% | -0.08% | -0.25% | -0.22% | 0.26% | -0.40% | -0.16% | -0.05% | +16 bps | |
| Allowance / Loans | 1.09% | 1.13% | 1.20% | 1.20% | 0.78% | 0.90% | 1.14% | 1.11% | -9 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 | 13.41% | 13.96% | 14.55% | 14.16% | 12.45% | 12.85% | 12.90% | 13.29% | -87 bps | |
| Equity / Assets | 9.91% | 9.92% | 10.52% | 10.44% | 9.31% | 9.28% | 9.41% | 9.77% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.08% | 91.03% | 97.02% | 94.64% | 93.16% | 91.22% | 92.37% | 92.88% | -175 bps | |
| Liquid Assets / Assets | 0.38% | 0.28% | 0.00% | 0.01% | 0.00% | 0.02% | 0.02% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |