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Geauga Savings Bank

Newbury, OH · Cert 32287

FDIC · 2 branches

Q4 2019

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: Q4 2019, the quarter ended December 31, 2019, 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

Geauga Savings Bank

Newbury, OH · Cert 32287

FDIC · 2 branches

Q4 2019

$273.1MAssets
$181.1MLoans
$184.3MDeposits
$40.1MEquity
Loan mix
80%RE $94.6M18%C&I $21.6M2%Consumer $2.2MQ4 2018Q4 2019
Deposit mix
91%Interest-bearing $168.4M9%Noninterest $15.9MQ4 2018Q4 2019

NIM

4.06%Q4 ’174.62%Q4 ’184.95%Q4 ’19+16%-5%

Non-interest income vs. expense

1.93%Q4 ’172.42%Q4 ’182.50%Q4 ’19+23%+3%

Market Position · Cleveland-Elyria, OH · 2019 SOD (annual) · 0.3% share · #19 of 35 inst. · $0.2B of $72.8B

5.2% Geauga
0.1% Cuyahoga

Executive Summary

  • Earnings: ROA of 0.38%, down 53 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 1.95% of loans (-93 bps YoY), with net charge-offs at 0.49%.
  • Capital: tier 1 leverage ratio of 14.67%, down 22 bps from a year ago.
  • Funding: loans stand at 98.30% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

0.38%-53 bps YoY

Net Interest Margin (YTD, annualized)

3.24%-18 bps YoY

Efficiency Ratio (YTD, annualized)

75.26%+601 bps YoY

Tier 1 Leverage Ratio

14.67%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.91%0.29%0.59%0.68%0.38%-53 bps
Return on Equity5.99%1.96%4.04%4.65%2.59%-340 bps
Net Interest Margin3.42%3.36%3.29%3.27%3.24%-18 bps
Efficiency Ratio69.25%69.01%68.53%67.78%75.26%+601 bps
Non-Interest Burden2.35%2.31%2.23%2.19%2.42%+7 bps
Growth
Asset Growth (YoY)-7.06%2.37%4.73%-2.16%-1.79%+527 bps
Loan Growth (YoY)9.15%9.13%2.64%-0.16%-2.64%-1,178 bps
Deposit Growth (YoY)2.34%8.07%6.43%-10.22%-6.33%-867 bps
Asset Quality
Nonperforming Loans / Loans2.88%2.74%2.65%2.50%1.95%-93 bps
Net Charge-Offs / Loans-0.38%0.59%0.30%0.21%0.49%+87 bps
Allowance / Loans1.10%0.92%0.96%0.96%0.92%-18 bps
Allowance Coverage of NPLs0.4x0.3x0.4x0.4x0.5x+0.1x
Capital
Tier 1 Leverage Ratio14.88%15.04%14.33%14.73%14.67%-22 bps
Total Risk-Based Capital23.08%21.69%21.57%21.73%21.68%-140 bps
Equity / Assets14.75%14.57%14.48%14.82%14.67%-7 bps
Liquidity & Funding
Loans / Deposits94.57%95.47%95.88%98.80%98.30%+373 bps
Liquid Assets / Assets2.80%3.89%2.16%4.71%6.09%+330 bps
CRE / Total Capitaln/an/an/an/an/an/an/a