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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 $2.5MQ4 2003Q3 2005

Executive Summary

  • Earnings: ROA of -0.15%, down 45 bps year over year; NIM at 2.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 125.83% of deposits as of Q3 2005.

Return on Assets (YTD, annualized)

-0.15%-45 bps YoY

Net Interest Margin (YTD, annualized)

2.30%-21 bps YoY

Efficiency Ratio (YTD, annualized)

105.10%+1,916 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.14%Q3 ’034.77%Q3 ’044.86%Q3 ’05-13%-8%

Non-interest income vs. expense

2.35%Q3 ’032.66%Q3 ’042.97%Q3 ’05+14%+18%

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.48%0.04%0.27%0.30%0.42%-0.18%-0.31%-0.15%-45 bps
Return on Equity4.63%0.38%2.80%3.14%4.49%-2.00%-3.36%-1.62%-476 bps
Net Interest Margin2.78%2.65%2.62%2.51%2.48%2.29%2.31%2.30%-21 bps
Efficiency Ratio77.18%98.18%86.97%85.94%81.32%106.30%111.53%105.10%+1,916 bps
Non-Interest Burden2.05%2.60%2.22%2.08%1.86%2.47%2.61%2.44%+37 bps
Growth
Asset Growth (YoY)11.67%5.89%17.30%14.47%8.91%12.14%2.48%-0.55%-1,502 bps
Loan Growth (YoY)24.95%18.39%16.02%7.29%8.43%5.72%2.28%1.91%-538 bps
Deposit Growth (YoY)11.48%4.73%12.52%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.05%0.02%0.02%0.01%0.25%0.14%0.10%+9 bps
Allowance / Loans0.90%0.91%0.86%0.87%0.82%0.79%0.77%0.77%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital16.56%16.78%16.50%16.47%15.88%15.85%15.89%16.27%-20 bps
Equity / Assets9.57%9.87%9.26%9.27%9.13%9.07%9.17%9.37%+10 bps
Liquidity & Funding
Loans / Deposits139.19%141.44%136.22%134.55%136.56%123.93%128.29%125.83%-873 bps
Liquid Assets / Assets5.51%5.40%5.68%6.99%4.79%7.94%3.80%3.24%-376 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a