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Letter portraitLegal landscapeQuarterYTD

Findlay Savings Bank, The

Cincinnati, OH · Cert 28623

FDIC

Q2 2002

$9.6MAssets
$3.8MLoans
$8.8MDeposits
$822KEquity
Deposit mix
93%Interest-bearing $8.2M7%Noninterest $0.6MQ2 2001Q2 2002

NIM

6.35%Q1 ’016.37%Q2 ’015.57%Q2 ’02-12%+45%

Non-interest income vs. expense

6.62%Q1 ’016.11%Q2 ’015.71%Q2 ’02-50%+72%

Executive Summary

  • Earnings: ROA of -2.41%, up 3 bps year over year; NIM at 1.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 43.06% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

-2.41%+3 bps YoY

Net Interest Margin (YTD, annualized)

1.62%+50 bps YoY

Efficiency Ratio (YTD, annualized)

294%+14,454 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets-2.44%-3.20%-3.20%-3.50%-2.41%+3 bps
Return on Equityn/an/an/a-48.14%-31.39%n/a
Net Interest Margin1.12%0.93%1.08%1.27%1.62%+50 bps
Efficiency Ratio149.21%198.54%211%310%294%+14,454 bps
Non-Interest Burden3.13%3.96%4.20%4.49%5.39%+226 bps
Growth
Asset Growth (YoY)-36.60%-37.07%-22.87%-18.05%-22.08%+1,451 bps
Loan Growth (YoY)-62.09%-47.28%-22.16%-19.07%-29.10%+3,299 bps
Deposit Growth (YoY)-21.30%-21.94%-22.13%-17.65%-21.63%-33 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.16%0.82%0.65%0.00%0.00%-116 bps
Allowance / Loans1.63%1.75%1.87%1.97%2.43%+80 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 Capital25.13%22.58%30.37%23.83%26.16%+103 bps
Equity / Assets8.39%7.98%7.10%7.43%8.54%+15 bps
Liquidity & Funding
Loans / Deposits47.60%46.16%48.27%48.85%43.06%-454 bps
Liquid Assets / Assets3.86%3.39%3.61%3.79%4.36%+50 bps
CRE / Total Capitaln/an/an/an/an/an/an/a