Wooster, OH · Cert 6734
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 | 1.54% | 1.52% | 1.49% | 1.56% | 1.50% | 1.36% | 1.38% | 1.28% | -28 bps | |
| Return on Equity | 16.11% | 18.36% | 17.66% | 18.16% | 17.29% | 14.99% | 15.40% | 14.30% | -386 bps | |
| Net Interest Margin | 4.00% | 4.02% | 3.94% | 4.06% | 3.96% | 3.65% | 3.64% | 3.69% | -37 bps | |
| Efficiency Ratio | 53.75% | 54.06% | 55.50% | 54.08% | 55.67% | 57.27% | 57.48% | 60.06% | +598 bps | |
| Non-Interest Burden | 1.73% | 1.72% | 1.74% | 1.75% | 1.78% | 1.64% | 1.67% | 1.83% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.78% | 1.83% | -0.16% | -1.30% | -2.77% | -3.69% | -1.80% | 0.15% | +145 bps | |
| Loan Growth (YoY) | -0.42% | 3.45% | 3.14% | -1.95% | -4.12% | -7.70% | -7.63% | -2.95% | -100 bps | |
| Deposit Growth (YoY) | 4.14% | 3.52% | 1.22% | 0.77% | 0.44% | -1.82% | -1.62% | 0.39% | -37 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 | 0.05% | 0.04% | 0.33% | 0.23% | 0.19% | 0.13% | 0.05% | 0.05% | -18 bps | |
| Allowance / Loans | 1.50% | 1.50% | 1.33% | 1.38% | 1.38% | 1.43% | 1.41% | 1.39% | +1 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 | 15.19% | 15.51% | 12.45% | 12.90% | 13.23% | 13.67% | 13.32% | 13.21% | +31 bps | |
| Equity / Assets | 8.19% | 8.38% | 8.84% | 8.95% | 8.94% | 9.21% | 8.70% | 8.84% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.37% | 81.02% | 81.63% | 79.40% | 76.72% | 76.17% | 76.64% | 76.75% | -264 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 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 |