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Dearborn Savings Association, Federal Association

Lawrenceburg, IN · Cert 29926

FDIC · 1 branch

Q1 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2020, the quarter ended March 31, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dearborn Savings Association, Federal Association

Lawrenceburg, IN · Cert 29926

FDIC · 1 branch

Q1 2020

$127.2MAssets
$96.0MLoans
$106.2MDeposits
$12.0MEquity
Loan mix
99%RE $85.8M1%C&I $0.6M1%Consumer $0.4MQ1 2019Q1 2020
Deposit mix
92%Interest-bearing $98.2M8%Noninterest $8.0MQ1 2019Q1 2020

NIM

3.58%Q1 ’183.90%Q1 ’192.76%Q1 ’20-3%-39%

Non-interest income vs. expense

2.02%Q1 ’182.53%Q1 ’196.70%Q1 ’20+44%+193%

Market Position · Cincinnati, OH-KY-IN · 2019 SOD (annual) · 0.1% share · #35 of 62 inst. · $0.1B of $139.0B

Executive Summary

  • Earnings: ROA of -3.20%, down 384 bps year over year; NIM at 1.76%.
  • Asset quality: problem loans at 0.14% of loans (+14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.35%, down 77 bps from a year ago.
  • Funding: loans stand at 90.39% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

-3.20%-384 bps YoY

Net Interest Margin (YTD, annualized)

1.76%-111 bps YoY

Efficiency Ratio (YTD, annualized)

321%+24,219 bps YoY

Tier 1 Leverage Ratio

9.35%-77 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.65%0.71%0.70%0.64%-3.20%-384 bps
Return on Equity5.93%6.75%6.79%6.20%-32.72%-3,864 bps
Net Interest Margin2.87%2.75%2.76%2.72%1.76%-111 bps
Efficiency Ratio78.52%74.73%73.87%73.67%321%+24,219 bps
Non-Interest Burden2.18%1.95%1.92%1.90%6.37%+419 bps
Growth
Asset Growth (YoY)13.34%10.04%7.76%5.17%1.36%-1,198 bps
Loan Growth (YoY)16.26%5.73%3.52%0.40%-6.20%-2,245 bps
Deposit Growth (YoY)17.48%19.05%14.29%10.54%2.06%-1,541 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.13%0.21%0.16%0.14%+14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.87%0.88%0.89%0.91%0.93%+7 bps
Allowance Coverage of NPLsn/a6.6x4.3x5.6x6.6xn/a
Capital
Tier 1 Leverage Ratio10.12%9.75%9.91%10.00%9.35%-77 bps
Total Risk-Based Capital16.45%16.54%17.06%16.67%9.35%-710 bps
Equity / Assets9.90%9.62%10.02%10.10%9.44%-46 bps
Liquidity & Funding
Loans / Deposits98.35%92.33%94.21%91.70%90.39%-796 bps
Liquid Assets / Assets8.71%13.02%11.72%10.98%11.62%+292 bps
CRE / Total Capitaln/an/an/an/an/an/an/a