East Liverpool, OH · Cert 29431
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
East Liverpool, OH · Cert 29431
FDIC
Q1 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.70% | 1.02% | 1.06% | 1.05% | 0.97% | 0.99% | -7.56% | -862 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -90.77% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.42% | 3.30% | 3.33% | 3.29% | 3.56% | +14 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 57.97% | 58.17% | 61.31% | 60.89% | 361% | +30,307 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.84% | 1.75% | 1.88% | 1.83% | 14.04% | +1,220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.63% | 6.75% | 5.69% | -0.35% | 0.56% | -2.78% | -2.94% | -14.62% | -1,427 bps | |
| Loan Growth (YoY) | 12.59% | 10.61% | 10.30% | 0.92% | -7.26% | -9.15% | -2.22% | -4.52% | -544 bps | |
| Deposit Growth (YoY) | 9.95% | 9.17% | 7.04% | 2.66% | 2.31% | -3.23% | -2.52% | -3.59% | -625 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 0.30% | 0.23% | 0.22% | 0.24% | 0.75% | +44 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.60% | 1.69% | 1.68% | 1.48% | 1.52% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | 14.75% | 14.12% | 15.04% | 14.38% | 12.11% | -263 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.36% | 8.29% | 8.74% | 8.76% | 7.83% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.20% | 100.35% | 101.04% | 98.80% | 91.74% | 94.22% | 101.35% | 97.85% | -95 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.88% | 2.09% | 1.88% | 0.24% | 3.11% | +224 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |