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Steel Valley Bank, National Association

Dillonvale, OH · Cert 13918

FDIC

Q4 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Steel Valley Bank, National Association

Dillonvale, OH · Cert 13918

FDIC

Q4 2004

$51.4MAssets
$33.8MLoans
$44.8MDeposits
$5.3MEquity
Loan mix
64%RE $8.4M36%C&I $4.7M0%Consumer $0.0MQ4 2003Q4 2004
Deposit mix
80%Interest-bearing $35.7M20%Noninterest $9.1MQ4 2003Q4 2004

NIM

7.13%Q4 ’026.32%Q4 ’035.41%Q4 ’04-8%-14%

Non-interest income vs. expense

3.82%Q4 ’024.82%Q4 ’035.21%Q4 ’04+16%+28%

Executive Summary

  • Earnings: ROA of -1.38%, down 83 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.46%.
  • Funding: loans stand at 75.37% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

-1.38%-83 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-58 bps YoY

Efficiency Ratio (YTD, annualized)

118.69%+3,197 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets-0.54%-0.73%-0.34%-0.29%-1.38%-83 bps
Return on Equity-5.00%-6.67%-3.14%-2.63%-12.80%-780 bps
Net Interest Margin4.18%3.62%3.47%3.58%3.60%-58 bps
Efficiency Ratio86.72%104.28%101.64%102.42%118.69%+3,197 bps
Non-Interest Burden3.44%3.81%3.54%3.69%4.42%+97 bps
Growth
Asset Growth (YoY)-8.13%-3.99%-2.39%1.15%-5.67%+246 bps
Loan Growth (YoY)-5.15%-2.11%-6.59%-12.92%-13.80%-865 bps
Deposit Growth (YoY)-7.46%-2.47%-0.65%1.66%-2.80%+465 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.05%1.03%0.58%0.55%0.46%-160 bps
Allowance / Loans2.41%2.37%2.26%2.34%2.98%+56 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 Capital16.68%15.98%16.34%16.60%15.39%-129 bps
Equity / Assets11.10%10.69%10.68%10.93%10.31%-79 bps
Liquidity & Funding
Loans / Deposits84.98%81.97%76.72%73.17%75.37%-961 bps
Liquid Assets / Assets7.84%7.67%7.48%17.72%21.40%+1,356 bps
CRE / Total Capitaln/an/an/an/an/an/an/a