Urbana, OH · Cert 6715
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.11% | 1.04% | 1.10% | 1.13% | 1.21% | 1.10% | 1.25% | +15 bps | |
| Return on Equity | 19.57% | 19.53% | 15.10% | 15.64% | 15.42% | 16.90% | 16.59% | 18.74% | +310 bps | |
| Net Interest Margin | 3.32% | 3.30% | 3.30% | 3.37% | 3.42% | 3.51% | 3.42% | 3.44% | +7 bps | |
| Efficiency Ratio | 60.61% | 60.27% | 62.13% | 62.21% | 61.33% | 60.56% | 63.86% | 60.16% | -205 bps | |
| Non-Interest Burden | 1.62% | 1.57% | 1.67% | 1.70% | 1.67% | 1.66% | 1.77% | 1.61% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.56% | -6.17% | -10.95% | -7.77% | -10.31% | -10.43% | -7.08% | -3.87% | +391 bps | |
| Loan Growth (YoY) | -3.92% | -0.61% | -1.89% | -9.19% | -8.38% | -8.87% | -6.89% | -4.54% | +465 bps | |
| Deposit Growth (YoY) | -4.30% | -0.97% | -1.02% | -5.00% | 1.01% | -2.00% | -0.83% | 8.33% | +1,333 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 | 0.26% | 0.28% | 0.14% | 0.06% | 0.07% | 0.47% | 0.03% | 0.16% | +9 bps | |
| Allowance / Loans | 2.16% | 2.11% | 2.24% | 2.34% | 2.38% | 1.85% | 1.89% | 1.86% | -47 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 | 19.35% | 15.83% | 17.06% | 18.34% | 19.07% | 14.52% | 14.74% | 15.50% | -283 bps | |
| Equity / Assets | 6.26% | 6.51% | 7.28% | 7.35% | 8.20% | 6.44% | 6.88% | 6.71% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.83% | 47.61% | 44.90% | 45.77% | 44.28% | 44.27% | 42.16% | 40.33% | -544 bps | |
| Liquid Assets / Assets | 5.45% | 5.25% | 5.19% | 5.34% | 5.39% | 5.30% | 5.53% | 5.66% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |