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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

6.43%Q2 ’025.26%Q2 ’034.91%Q2 ’04-20%+6%

Non-interest income vs. expense

1.92%Q2 ’022.27%Q2 ’031.90%Q2 ’04-9%+19%

Executive Summary

  • Earnings: ROA of 0.63%, down 18 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 122.97% of deposits as of Q2 2004.

Financial Results

Return on Assets (quarter, annualized)

0.63%-18 bps YoY

Net Interest Margin (quarter, annualized)

2.36%+12 bps YoY

Efficiency Ratio (quarter, annualized)

65.16%-214 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets0.81%0.59%0.25%0.46%0.63%-18 bps
Return on Equity10.61%7.83%3.23%5.99%8.41%-220 bps
Net Interest Margin2.24%2.18%2.48%2.36%2.36%+12 bps
Efficiency Ratio67.29%74.30%81.75%73.93%65.16%-214 bps
Non-Interest Burden1.13%1.46%1.79%1.62%1.35%+21 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%0.35%0.10%0.21%0.09%-1 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