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Glouster Community Bank, The

Lancaster, OH · Cert 16317

FDIC

Q2 2007

$110.7MAssets
$64.8MLoans
$88.9MDeposits
$6.4MEquity
Loan mix
90%RE $51.6M9%C&I $5.3M1%Consumer $0.6MQ2 2006Q2 2007
Deposit mix
91%Interest-bearing $80.8M9%Noninterest $8.0MQ2 2006Q2 2007

NIM

5.39%Q2 ’056.16%Q2 ’066.37%Q2 ’07-4%-8%

Non-interest income vs. expense

2.90%Q2 ’053.59%Q2 ’062.98%Q2 ’07+28%-21%

Executive Summary

  • Earnings: ROA of 0.02%, up 143 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.26%.
  • Funding: loans stand at 72.97% of deposits as of Q2 2007.

Financial Results

Return on Assets (quarter, annualized)

0.02%+143 bps YoY

Net Interest Margin (quarter, annualized)

2.53%-21 bps YoY

Efficiency Ratio (quarter, annualized)

94.18%-1,268 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets-1.41%-1.23%-0.08%0.01%0.02%+143 bps
Return on Equity-23.66%-21.13%-1.41%0.23%0.36%+2,402 bps
Net Interest Margin2.75%2.73%2.51%2.50%2.53%-21 bps
Efficiency Ratio106.86%94.10%77.10%97.54%94.18%-1,268 bps
Non-Interest Burden2.98%2.54%1.76%2.42%2.35%-63 bps
Growth
Asset Growth (YoY)-5.61%-3.69%-8.03%-6.05%-4.07%+154 bps
Loan Growth (YoY)8.24%4.31%-6.27%-11.40%-15.17%-2,341 bps
Deposit Growth (YoY)-8.67%4.83%3.28%5.77%3.96%+1,263 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.85%-0.09%4.82%0.16%2.26%+41 bps
Allowance / Loans0.91%1.75%1.05%1.16%0.74%-18 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 Capital10.83%10.75%11.03%11.40%11.27%+44 bps
Equity / Assets5.82%5.85%6.15%6.09%5.80%-3 bps
Liquidity & Funding
Loans / Deposits89.42%82.13%82.30%78.63%72.97%-1,645 bps
Liquid Assets / Assets0.09%0.07%0.14%0.08%0.06%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a