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Castalia Banking Company, The

Castalia, OH · Cert 11093

FDIC

Q4 2002

$51.6MAssets
$33.0MLoans
$45.0MDeposits
$6.4MEquity
Deposit mix
89%Interest-bearing $40.1M11%Noninterest $4.9MQ4 2001Q4 2002

NIM

7.62%Q1 ’017.22%Q4 ’015.95%Q4 ’02-3%-9%

Non-interest income vs. expense

3.10%Q1 ’012.97%Q4 ’012.52%Q4 ’02-7%-26%

Executive Summary

  • Earnings: ROA of 1.67%, up 29 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 73.45% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

1.67%+29 bps YoY

Net Interest Margin (YTD, annualized)

4.24%-43 bps YoY

Efficiency Ratio (YTD, annualized)

50.68%-620 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.38%1.74%1.63%1.65%1.67%+29 bps
Return on Equityn/a14.63%13.56%13.51%13.64%n/a
Net Interest Margin4.67%4.30%4.13%4.26%4.24%-43 bps
Efficiency Ratio56.89%49.38%51.53%51.28%50.68%-620 bps
Non-Interest Burden2.42%1.71%1.77%1.82%1.78%-63 bps
Growth
Asset Growth (YoY)4.07%2.91%3.85%1.88%3.09%-98 bps
Loan Growth (YoY)-6.74%-6.01%-5.11%-4.93%-5.54%+120 bps
Deposit Growth (YoY)5.48%3.63%4.33%1.86%2.95%-252 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%0.00%0.01%0.00%-3 bps
Allowance / Loans1.28%1.30%1.31%1.32%1.38%+9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.26%17.82%17.98%18.74%18.52%+126 bps
Equity / Assets11.77%12.03%12.33%12.78%12.31%+53 bps
Liquidity & Funding
Loans / Deposits80.05%78.67%78.38%77.45%73.45%-661 bps
Liquid Assets / Assets0.02%0.02%0.02%0.03%0.03%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a