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Marietta Savings Bank

Marietta, OH · Cert 28363

FDIC

Q1 2001

$189.2MAssets
$174.0MLoans
$119.0MDeposits
$13.6MEquity
Deposit mix
95%Interest-bearing $113.0M5%Noninterest $6.0MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.18%, up 4 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 146.25% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

1.18%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.03%

Efficiency Ratio (YTD, annualized)

46.05%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.15%1.06%1.11%1.11%1.18%+4 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.03%n/an/a
Efficiency Ration/an/an/an/a46.05%n/an/a
Non-Interest Burdenn/an/an/an/a1.14%n/an/a
Growth
Asset Growth (YoY)13.39%10.09%7.10%9.86%7.99%-540 bps
Loan Growth (YoY)13.68%9.82%8.18%10.85%9.67%-400 bps
Deposit Growth (YoY)4.64%0.74%10.15%10.01%9.41%+477 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.00%n/an/a
Allowance / Loansn/an/an/an/a0.39%n/an/a
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 Capitaln/an/an/an/a11.64%n/an/a
Equity / Assetsn/an/an/an/a7.17%n/an/a
Liquidity & Funding
Loans / Deposits145.90%147.98%147.61%144.92%146.25%+35 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.84%+84 bps
CRE / Total Capitaln/an/an/an/an/an/an/a