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Emerald Bank

Dublin, OH · Cert 57550

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

Emerald Bank

Dublin, OH · Cert 57550

FDIC

Q4 2013

$83.5MAssets
$65.2MLoans
$70.0MDeposits
$11.3MEquity
Loan mix
93%RE $35.8M7%C&I $2.5M0%Consumer $0.1MQ4 2012Q4 2013
Deposit mix
89%Interest-bearing $62.2M11%Noninterest $7.9MQ4 2012Q4 2013

NIM

4.48%Q4 ’114.56%Q4 ’124.54%Q4 ’13+9%+9%

Non-interest income vs. expense

2.83%Q4 ’112.79%Q4 ’122.77%Q4 ’13-7%+6%

Executive Summary

  • Earnings: ROA of 0.75%, up 45 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.38%.
  • Funding: loans stand at 93.04% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

0.75%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+31 bps YoY

Efficiency Ratio (YTD, annualized)

68.94%-323 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 Assets0.31%0.58%0.76%0.80%0.75%+45 bps
Return on Equity2.14%3.95%5.19%5.55%5.31%+317 bps
Net Interest Margin3.63%3.93%4.08%4.02%3.94%+31 bps
Efficiency Ratio72.17%77.44%71.56%68.91%68.94%-323 bps
Non-Interest Burden2.55%3.03%2.90%2.75%2.69%+14 bps
Growth
Asset Growth (YoY)-1.05%-5.47%0.48%2.46%8.48%+953 bps
Loan Growth (YoY)5.06%6.08%9.25%11.07%18.62%+1,356 bps
Deposit Growth (YoY)1.59%-3.74%4.23%5.51%9.68%+809 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.74%0.21%0.59%0.38%0.38%-36 bps
Allowance / Loans4.09%4.10%3.43%3.41%3.30%-79 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 Capital15.45%15.80%14.39%14.49%13.76%-169 bps
Equity / Assets14.70%14.89%14.14%13.88%13.50%-121 bps
Liquidity & Funding
Loans / Deposits86.03%85.34%90.80%91.65%93.04%+701 bps
Liquid Assets / Assets5.62%5.97%1.53%3.51%4.08%-154 bps
CRE / Total Capitaln/an/an/an/an/an/an/a