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Letter portraitLegal landscapeQuarterYTD

Citizens Savings Bank Company, The

Pemberville, OH · Cert 11096

FDIC

Q1 2001

$95.4MAssets
$73.2MLoans
$75.7MDeposits
$7.3MEquity
Loan mix
66%RE $30.7M33%C&I $15.2M1%Consumer $0.6MQ2 1999Q1 2001
Deposit mix
93%Interest-bearing $70.6M7%Noninterest $5.2MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 1.12%, up 15 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 96.58% of deposits as of Q1 2001.

Return on Assets (quarter, annualized)

1.12%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.93%
n/a

Efficiency Ratio (quarter, annualized)

59.01%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Discrete quarter, annualized.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.15%1.15%0.98%0.96%1.05%1.06%1.05%1.12%+15 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.93%n/an/a
Efficiency Ration/an/an/an/an/an/an/a59.01%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a2.10%n/an/a
Growth
Asset Growth (YoY)20.29%19.61%8.96%10.76%5.79%9.98%8.59%9.50%-126 bps
Loan Growth (YoY)27.08%28.73%26.78%23.40%14.18%12.63%12.45%11.36%-1,204 bps
Deposit Growth (YoY)20.73%18.73%4.07%8.62%2.10%4.12%4.53%5.22%-340 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a0.01%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a1.25%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a10.97%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a7.63%n/an/a
Liquidity & Funding
Loans / Deposits83.53%88.26%91.61%91.25%93.42%95.47%98.55%96.58%+533 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a