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Letter portraitLegal landscapeQuarterYTD

Cambridge Savings Bank

Cambridge, OH · Cert 27642

FDIC

Q2 2004

$1.1BAssets
$837.7MLoans
$681.2MDeposits
$78.0MEquity
Loan mix
98%RE $700.5M2%C&I $14.1M0%Consumer $0.2MQ2 2003Q2 2004
Deposit mix
96%Interest-bearing $653.9M4%Noninterest $27.3MQ2 2003Q2 2004

NIM

6.38%Q2 ’025.42%Q2 ’034.87%Q2 ’04-12%0%

Non-interest income vs. expense

1.78%Q2 ’022.21%Q2 ’031.97%Q2 ’04-5%+41%

Executive Summary

  • Earnings: ROA of 0.54%, down 32 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Funding: loans stand at 122.97% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

0.54%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.33%0 bps YoY

Efficiency Ratio (YTD, annualized)

69.42%+635 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets0.87%0.78%0.65%0.46%0.54%-32 bps
Return on Equity11.39%10.24%8.50%5.99%7.21%-418 bps
Net Interest Margin2.33%2.30%2.38%2.36%2.33%0 bps
Efficiency Ratio63.08%66.23%70.44%73.93%69.42%+635 bps
Non-Interest Burden1.03%1.19%1.35%1.62%1.46%+43 bps
Growth
Asset Growth (YoY)-0.55%-5.00%-3.80%-1.91%-0.58%-3 bps
Loan Growth (YoY)-4.79%0.36%0.98%7.10%10.04%+1,483 bps
Deposit Growth (YoY)-2.50%-5.51%-3.25%-3.74%-1.26%+123 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.18%0.16%0.21%0.15%+4 bps
Allowance / Loans0.76%0.67%0.70%0.67%0.66%-10 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 Capital12.91%12.35%12.52%12.18%11.98%-93 bps
Equity / Assets7.57%7.55%7.68%7.59%7.39%-18 bps
Liquidity & Funding
Loans / Deposits110.35%119.72%119.07%121.97%122.97%+1,263 bps
Liquid Assets / Assets3.30%1.83%2.76%1.36%1.02%-228 bps
CRE / Total Capitaln/an/an/an/an/an/an/a