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First Place Bank

Warren, OH · Cert 34657

FDIC

Q4 2013

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 2013, the quarter ended December 31, 2013, 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

First Place Bank

Warren, OH · Cert 34657

FDIC

Q4 2013

$2.2BAssets
$1.6BLoans
$1.8BDeposits
$321.2MEquity
Loan mix
95%RE $1.2B5%C&I $0.1B0%Consumer $0.0BQ4 2012Q4 2013
Deposit mix
83%Interest-bearing $1.5B17%Noninterest $0.3BQ4 2012Q4 2013

NIM

4.12%Q1 ’124.14%Q4 ’123.73%Q4 ’13+2%+5%

Non-interest income vs. expense

4.76%Q1 ’124.90%Q4 ’125.89%Q4 ’13-3%+8%

Executive Summary

  • Earnings: ROA of 1.21%, up 24 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.52%.
  • Funding: loans stand at 90.46% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

1.21%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+15 bps YoY

Efficiency Ratio (YTD, annualized)

75.34%+300 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.97%0.90%1.21%1.06%1.21%+24 bps
Return on Equityn/a10.26%12.30%10.10%10.85%n/a
Net Interest Margin3.30%2.84%3.24%3.31%3.45%+15 bps
Efficiency Ratio72.34%77.04%70.17%76.05%75.34%+300 bps
Non-Interest Burden1.50%1.20%0.84%1.54%1.61%+11 bps
Growth
Asset Growth (YoY)-4.65%-3.90%-1.12%-4.54%-13.64%-900 bps
Loan Growth (YoY)-7.31%-18.58%-9.68%-12.78%-14.88%-758 bps
Deposit Growth (YoY)-4.41%-7.38%-9.65%-12.91%-16.88%-1,247 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.68%0.34%0.34%0.31%0.52%-116 bps
Allowance / Loans3.72%0.03%0.18%0.41%0.59%-313 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 Capital10.79%15.61%14.84%15.31%15.93%+514 bps
Equity / Assets6.03%11.54%11.81%12.51%14.36%+833 bps
Liquidity & Funding
Loans / Deposits88.35%84.08%93.27%91.45%90.46%+212 bps
Liquid Assets / Assets14.71%15.54%8.88%9.21%3.53%-1,117 bps
CRE / Total Capitaln/an/an/an/an/an/an/a