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Columbia Savings Bank, The

Cincinnati, OH · Cert 32284

FDIC

Q1 2014

$36.5MAssets
$25.9MLoans
$29.5MDeposits
$766KEquity
Deposit mix
94%Interest-bearing $27.8M6%Noninterest $1.7MQ1 2013Q1 2014

NIM

4.10%Q1 ’123.55%Q1 ’133.18%Q1 ’14-17%-11%

Non-interest income vs. expense

5.00%Q1 ’124.78%Q1 ’134.59%Q1 ’14-47%+6%

Executive Summary

  • Earnings: ROA of -1.77%, up 5 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.43%.
  • Funding: loans stand at 87.69% of deposits as of Q1 2014.

Financial Results

Return on Assets (quarter, annualized)

-1.77%+5 bps YoY

Net Interest Margin (quarter, annualized)

2.22%-27 bps YoY

Efficiency Ratio (quarter, annualized)

146.21%+2,051 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-1.82%-2.25%-1.84%-1.47%-1.77%+5 bps
Return on Equity-48.96%-66.18%-61.43%-56.00%-77.36%-2,839 bps
Net Interest Margin2.49%2.52%2.82%2.78%2.22%-27 bps
Efficiency Ratio125.69%136.29%127.96%129.18%146.21%+2,051 bps
Non-Interest Burden3.47%3.88%4.03%3.93%3.67%+21 bps
Growth
Asset Growth (YoY)-13.92%-13.85%-12.69%-13.30%-10.78%+315 bps
Loan Growth (YoY)-15.11%-15.56%-15.93%-14.83%-14.19%+92 bps
Deposit Growth (YoY)-13.77%-13.08%-11.51%-12.52%-10.67%+310 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.38%-0.49%0.92%-0.13%0.43%-95 bps
Allowance / Loans3.59%4.12%4.34%4.59%4.81%+122 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 Capital7.13%6.46%5.84%5.46%4.85%-228 bps
Equity / Assets3.60%3.19%2.79%2.48%2.10%-150 bps
Liquidity & Funding
Loans / Deposits91.29%92.17%88.43%88.16%87.69%-359 bps
Liquid Assets / Assets10.95%9.79%11.00%11.24%11.55%+61 bps
CRE / Total Capitaln/an/an/an/an/an/an/a