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Potters Bank

East Liverpool, OH · Cert 29431

FDIC

Q1 2002

$128.3MAssets
$112.7MLoans
$115.2MDeposits
$10.0MEquity
Loan mix
98%RE $80.6M2%C&I $1.4M0%Consumer $0.1MQ1 2001Q1 2002
Deposit mix
98%Interest-bearing $112.9M2%Noninterest $2.3MQ1 2001Q1 2002

NIM

7.57%Q1 ’016.91%Q1 ’02+4%

Non-interest income vs. expense

2.18%Q1 ’0114.49%Q1 ’02+663%

Executive Summary

  • Earnings: ROA of -7.56%, down 862 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.75%.
  • Funding: loans stand at 97.85% of deposits as of Q1 2002.

Financial Results

Return on Assets (quarter, annualized)

-7.56%-862 bps YoY

Net Interest Margin (quarter, annualized)

3.56%+14 bps YoY

Efficiency Ratio (quarter, annualized)

361%+30,307 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets1.06%1.03%0.81%1.04%-7.56%-862 bps
Return on Equityn/a12.43%9.51%11.93%-90.77%n/a
Net Interest Margin3.42%3.19%3.23%3.17%3.56%+14 bps
Efficiency Ratio57.97%58.38%67.77%59.64%361%+30,307 bps
Non-Interest Burden1.84%1.67%2.05%1.67%14.04%+1,220 bps
Growth
Asset Growth (YoY)-0.35%0.56%-2.78%-2.94%-14.62%-1,427 bps
Loan Growth (YoY)0.92%-7.26%-9.15%-2.22%-4.52%-544 bps
Deposit Growth (YoY)2.66%2.31%-3.23%-2.52%-3.59%-625 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.30%0.13%0.20%0.35%0.75%+44 bps
Allowance / Loans1.60%1.69%1.68%1.48%1.52%-8 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 Capital14.75%14.12%15.04%14.38%12.11%-263 bps
Equity / Assets8.36%8.29%8.74%8.76%7.83%-52 bps
Liquidity & Funding
Loans / Deposits98.80%91.74%94.22%101.35%97.85%-95 bps
Liquid Assets / Assets0.88%2.09%1.88%0.24%3.11%+224 bps
CRE / Total Capitaln/an/an/an/an/an/an/a