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First Safety Bank

Saint Bernard, OH · Cert 26263

FDIC · 2 branches

Q2 2016

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: Q2 2016, the quarter ended June 30, 2016, 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

First Safety Bank

Saint Bernard, OH · Cert 26263

FDIC · 2 branches

Q2 2016

$47.9MAssets
$29.3MLoans
$37.2MDeposits
$10.0MEquity
Loan mix
95%RE $26.9M3%C&I $0.8M3%Consumer $0.7MQ2 2015Q2 2016
Deposit mix
89%Interest-bearing $33.2M11%Noninterest $4.1MQ2 2015Q2 2016

NIM

3.60%Q2 ’143.45%Q2 ’153.42%Q2 ’16-3%-1%

Non-interest income vs. expense

3.24%Q2 ’143.03%Q2 ’154.61%Q2 ’16-11%+58%

Market Position · Cincinnati, OH-KY-IN · 2016 SOD (annual) · 0.0% share · #51 of 67 inst. · $0.0B of $106.8B

4.5% Brown
0.0% Hamilton

Executive Summary

  • Earnings: ROA of -0.65%, down 139 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 20.82%, up 70 bps from a year ago.
  • Funding: loans stand at 78.67% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.65%-139 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-2 bps YoY

Efficiency Ratio (YTD, annualized)

116.65%+3,606 bps YoY

Tier 1 Leverage Ratio

20.82%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.74%0.74%0.80%-0.12%-0.65%-139 bps
Return on Equity3.63%3.64%3.88%-0.59%-3.12%-675 bps
Net Interest Margin3.11%3.16%3.18%3.00%3.09%-2 bps
Efficiency Ratio80.59%80.43%79.12%103.41%116.65%+3,606 bps
Non-Interest Burden2.38%2.42%2.37%3.13%3.75%+137 bps
Growth
Asset Growth (YoY)2.79%-0.98%0.64%-1.55%-4.07%-686 bps
Loan Growth (YoY)4.15%1.68%-5.53%-6.04%-12.43%-1,657 bps
Deposit Growth (YoY)3.18%-1.47%0.48%-2.17%-4.85%-803 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.03%-0.03%-0.05%-0.05%-2 bps
Allowance / Loans1.17%1.21%1.27%1.34%1.38%+20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio20.12%20.39%20.72%20.77%20.82%+70 bps
Total Risk-Based Capital37.39%38.52%40.91%42.91%43.12%+573 bps
Equity / Assets20.33%20.66%20.81%20.72%20.98%+65 bps
Liquidity & Funding
Loans / Deposits85.47%85.49%81.52%78.17%78.67%-681 bps
Liquid Assets / Assets18.15%18.63%23.03%25.84%25.94%+779 bps
CRE / Total Capitaln/an/an/an/an/an/an/a