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Dime Bank

Marietta, OH · Cert 20684

FDIC

Q1 1998

$52.9MAssets
$39.9MLoans
$46.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.08%, down 23 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 86.92% of deposits as of Q1 1998.

Return on Assets (YTD, annualized)

1.08%-23 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets0.96%1.38%1.34%1.31%1.32%1.30%1.13%1.08%-23 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)11.75%12.18%15.29%9.48%11.25%8.19%6.89%4.50%-498 bps
Loan Growth (YoY)11.20%11.35%14.69%16.68%12.26%9.93%10.99%5.07%-1,161 bps
Deposit Growth (YoY)12.81%12.06%16.43%8.39%3.39%9.01%2.88%-0.12%-851 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/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/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/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits79.78%84.01%82.07%82.62%86.62%84.72%88.54%86.92%+430 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