Castalia, OH · Cert 11093
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Castalia, OH · Cert 11093
FDIC
Q4 2002
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 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.33% | 1.37% | 1.38% | 1.74% | 1.63% | 1.65% | 1.67% | +29 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 14.63% | 13.56% | 13.51% | 13.64% | n/a | |
| Net Interest Margin | 4.80% | 4.78% | 4.67% | 4.67% | 4.30% | 4.13% | 4.26% | 4.24% | -43 bps | |
| Efficiency Ratio | 58.63% | 58.44% | 57.11% | 56.89% | 49.38% | 51.53% | 51.28% | 50.68% | -620 bps | |
| Non-Interest Burden | 2.61% | 2.59% | 2.45% | 2.42% | 1.71% | 1.77% | 1.82% | 1.78% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.23% | -0.36% | 2.71% | 4.07% | 2.91% | 3.85% | 1.88% | 3.09% | -98 bps | |
| Loan Growth (YoY) | 0.25% | -2.99% | -4.56% | -6.74% | -6.01% | -5.11% | -4.93% | -5.54% | +120 bps | |
| Deposit Growth (YoY) | -4.94% | -0.31% | 2.62% | 5.48% | 3.63% | 4.33% | 1.86% | 2.95% | -252 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 | 0.01% | 0.10% | 0.04% | 0.03% | 0.02% | 0.00% | 0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 1.23% | 1.19% | 1.24% | 1.28% | 1.30% | 1.31% | 1.32% | 1.38% | +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 | 17.13% | 17.63% | 17.23% | 17.26% | 17.82% | 17.98% | 18.74% | 18.52% | +126 bps | |
| Equity / Assets | 12.08% | 12.41% | 12.04% | 11.77% | 12.03% | 12.33% | 12.78% | 12.31% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.73% | 86.18% | 82.99% | 80.05% | 78.67% | 78.38% | 77.45% | 73.45% | -661 bps | |
| Liquid Assets / Assets | 0.11% | 0.12% | 0.12% | 0.02% | 0.02% | 0.02% | 0.03% | 0.03% | +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 |