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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 ’015.91%Q2 ’015.47%Q2 ’02-31%+117%

Non-interest income vs. expense

6.62%Q1 ’015.10%Q2 ’016.40%Q2 ’02-107%+1428%

Executive Summary

  • Earnings: ROA of -1.24%, down 249 bps year over year; NIM at 1.90%.
  • 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 (quarter, annualized)

-1.24%-249 bps YoY

Net Interest Margin (quarter, annualized)

1.90%+103 bps YoY

Efficiency Ratio (quarter, annualized)

282%+20,285 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.25%-4.85%-3.11%-3.50%-1.24%-249 bps
Return on Equity15.35%-59.21%-41.15%-48.14%-15.60%-3,094 bps
Net Interest Margin0.88%0.47%1.43%1.27%1.90%+103 bps
Efficiency Ratio79.29%764%278%310%282%+20,285 bps
Non-Interest Burden-0.45%5.39%4.47%4.49%6.04%+649 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 / Loans0.00%0.00%0.00%0.00%0.00%0 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