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Cuyahoga Falls Savings Bank

Cuyahoga Falls, OH · Cert 34920

FDIC

Q3 2005

$80.3MAssets
$68.3MLoans
$54.2MDeposits
$7.5MEquity
Deposit mix
95%Interest-bearing $51.8M5%Noninterest $2.5MQ3 2004Q3 2005

NIM

4.88%Q3 ’034.89%Q3 ’044.99%Q3 ’05-11%-2%

Non-interest income vs. expense

2.31%Q3 ’032.82%Q3 ’043.13%Q3 ’05-2%+17%

Executive Summary

  • Earnings: ROA of 0.17%, down 18 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 125.83% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

0.17%-18 bps YoY

Net Interest Margin (quarter, annualized)

2.40%-4 bps YoY

Efficiency Ratio (quarter, annualized)

95.02%+1,092 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.35%0.78%-0.18%-0.43%0.17%-18 bps
Return on Equity3.82%8.46%-2.00%-4.72%1.86%-195 bps
Net Interest Margin2.44%2.54%2.29%2.32%2.40%-4 bps
Efficiency Ratio84.10%71.04%106.30%117.87%95.02%+1,092 bps
Non-Interest Burden1.91%1.36%2.47%2.74%2.24%+33 bps
Growth
Asset Growth (YoY)14.47%8.91%12.14%2.48%-0.55%-1,502 bps
Loan Growth (YoY)7.29%8.43%5.72%2.28%1.91%-538 bps
Deposit Growth (YoY)14.75%10.52%20.66%8.59%8.98%-577 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.25%0.02%0.04%+4 bps
Allowance / Loans0.87%0.82%0.79%0.77%0.77%-9 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 Capital16.47%15.88%15.85%15.89%16.27%-20 bps
Equity / Assets9.27%9.13%9.07%9.17%9.37%+10 bps
Liquidity & Funding
Loans / Deposits134.55%136.56%123.93%128.29%125.83%-873 bps
Liquid Assets / Assets6.99%4.79%7.94%3.80%3.24%-376 bps
CRE / Total Capitaln/an/an/an/an/an/an/a