Delphos, OH · Cert 750
FDIC
Q4 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.15% | -0.14% | 0.09% | -0.30% | 0.57% | 0.66% | 0.38% | 0.45% | +75 bps | |
| Return on Equity | -15.05% | -1.69% | 1.04% | -3.33% | 5.71% | 6.67% | 3.83% | 4.39% | +772 bps | |
| Net Interest Margin | 3.43% | 3.50% | 3.44% | 3.47% | 3.46% | 3.43% | 3.46% | 3.62% | +15 bps | |
| Efficiency Ratio | 68.19% | 66.36% | 65.23% | 67.66% | 76.13% | 77.92% | 86.53% | 85.14% | +1,748 bps | |
| Non-Interest Burden | 2.06% | 2.08% | 1.97% | 2.09% | 2.65% | 2.53% | 2.96% | 3.02% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.68% | -3.72% | -4.77% | -4.72% | -0.36% | -0.74% | -1.12% | -4.13% | +60 bps | |
| Loan Growth (YoY) | -7.61% | -7.15% | -6.67% | -8.57% | -8.35% | -8.54% | -7.35% | -6.89% | +168 bps | |
| Deposit Growth (YoY) | -3.24% | -2.96% | -4.94% | -3.97% | 0.59% | 0.37% | 0.09% | -3.61% | +36 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 | 0.49% | 1.16% | 1.04% | 1.87% | -0.08% | -0.11% | 0.06% | 0.13% | -174 bps | |
| Allowance / Loans | 2.62% | 2.34% | 2.53% | 2.97% | 3.09% | 3.19% | 3.12% | 3.11% | +14 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 | 17.63% | 18.30% | 18.69% | 18.52% | 18.99% | 19.47% | 19.63% | 19.97% | +146 bps | |
| Equity / Assets | 7.56% | 10.28% | 10.32% | 9.90% | 9.96% | 9.90% | 10.34% | 10.72% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.08% | 77.70% | 78.22% | 74.75% | 72.05% | 70.80% | 72.41% | 72.21% | -255 bps | |
| Liquid Assets / Assets | 0.11% | 0.14% | 0.10% | 0.08% | 0.08% | 0.10% | 0.11% | 0.11% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |