Orrville, OH · Cert 768
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.32% | 1.43% | 1.66% | 1.58% | 1.18% | 1.18% | 0.23% | -144 bps | |
| Return on Equity | 13.42% | 16.11% | 17.63% | 20.06% | 18.49% | 13.37% | 13.06% | 1.56% | -1,850 bps | |
| Net Interest Margin | 3.79% | 4.22% | 4.30% | 4.35% | 4.20% | 4.19% | 4.10% | 4.00% | -35 bps | |
| Efficiency Ratio | 64.08% | 63.60% | 61.25% | 55.74% | 56.37% | 64.04% | 62.51% | 81.04% | +2,530 bps | |
| Non-Interest Burden | 2.17% | 2.46% | 2.29% | 1.96% | 1.89% | 2.35% | 2.16% | 3.09% | +112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.71% | 15.24% | 8.38% | 11.20% | 11.78% | 6.58% | 7.26% | 14.58% | +338 bps | |
| Loan Growth (YoY) | -3.28% | 3.26% | 3.89% | 8.90% | 9.38% | 4.32% | 2.04% | -4.10% | -1,300 bps | |
| Deposit Growth (YoY) | 6.87% | 10.93% | 6.15% | 11.62% | 10.70% | 7.06% | 7.41% | -0.18% | -1,180 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 | 0.28% | 0.31% | 0.22% | 0.46% | 0.20% | 0.26% | 0.23% | 0.51% | +5 bps | |
| Allowance / Loans | 1.38% | 1.32% | 1.33% | 1.26% | 1.25% | 1.30% | 1.54% | 1.88% | +62 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 | 11.71% | 11.34% | 11.76% | 11.53% | 11.57% | 11.70% | 12.61% | 12.49% | +96 bps | |
| Equity / Assets | 8.39% | 7.96% | 8.22% | 8.35% | 8.78% | 8.82% | 9.21% | 19.33% | +1,098 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.11% | 71.98% | 74.01% | 69.94% | 70.26% | 70.14% | 70.31% | 67.19% | -274 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |