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Westwood Homestead Savings Bank

Cincinnati, OH · Cert 30239

FDIC

Q1 2001

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 2001, the quarter ended March 31, 2001, 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

Westwood Homestead Savings Bank

Cincinnati, OH · Cert 30239

FDIC

Q1 2001

$159.3MAssets
$143.0MLoans
$104.0MDeposits
$12.2MEquity
Deposit mix
97%Interest-bearing $101.3M3%Noninterest $2.7MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.07%, up 12 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 137.51% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

1.07%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.08%

Efficiency Ratio (YTD, annualized)

51.95%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.95%1.18%1.10%1.08%1.07%+12 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.08%n/an/a
Efficiency Ration/an/an/an/a51.95%n/an/a
Non-Interest Burdenn/an/an/an/a1.43%n/an/a
Growth
Asset Growth (YoY)23.42%13.23%6.51%2.06%0.58%-2,284 bps
Loan Growth (YoY)24.02%12.86%6.74%1.88%-1.99%-2,601 bps
Deposit Growth (YoY)15.24%14.68%7.49%0.34%1.67%-1,358 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.01%n/an/a
Allowance / Loansn/an/an/an/a0.48%n/an/a
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 Capitaln/an/an/an/a13.55%n/an/a
Equity / Assetsn/an/an/an/a7.63%n/an/a
Liquidity & Funding
Loans / Deposits142.63%137.74%140.19%142.07%137.51%-512 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%3.00%+300 bps
CRE / Total Capitaln/an/an/an/an/an/an/a