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Cooper State Bank

Columbus, OH · Cert 58041

FDIC · 6 branches

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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

Cooper State Bank

Columbus, OH · Cert 58041

FDIC · 6 branches

Q1 2015

$134.6MAssets
$113.6MLoans
$105.1MDeposits
$9.9MEquity
Loan mix
100%RE $101.5M0%C&I $0.1M0%Consumer $0.2MQ1 2014Q1 2015
Deposit mix
82%Interest-bearing $86.6M18%Noninterest $18.5MQ1 2014Q1 2015

NIM

4.74%Q1 ’134.10%Q1 ’143.91%Q1 ’15-17%-8%

Non-interest income vs. expense

6.61%Q1 ’135.59%Q1 ’145.03%Q1 ’15-11%-8%

Market Position · Columbus, OH · 2014 SOD (annual) · 0.2% share · #29 of 60 inst. · $0.1B of $53.8B

Executive Summary

  • Earnings: ROA of -0.06%, down 8 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 7.35%.
  • Funding: loans stand at 108.08% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.06%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.40%-31 bps YoY

Efficiency Ratio (YTD, annualized)

98.95%+37 bps YoY

Tier 1 Leverage Ratio

7.35%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.03%0.08%0.23%0.17%-0.06%-8 bps
Return on Equity0.33%1.04%2.99%2.16%-0.76%-109 bps
Net Interest Margin3.71%3.61%3.49%3.37%3.40%-31 bps
Efficiency Ratio98.58%97.41%94.21%95.32%98.95%+37 bps
Non-Interest Burden3.63%3.47%3.18%3.13%3.34%-28 bps
Growth
Asset Growth (YoY)11.88%22.22%17.09%18.60%11.09%-79 bps
Loan Growth (YoY)1.01%10.39%16.54%16.91%10.82%+981 bps
Deposit Growth (YoY)-2.30%0.18%14.40%17.66%17.34%+1,964 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.11%0.15%0.18%0.13%+3 bps
Allowance / Loans1.22%1.14%1.09%1.07%1.09%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a7.35%n/an/a
Total Risk-Based Capital12.18%11.53%11.35%11.20%11.38%-80 bps
Equity / Assets8.09%7.73%7.33%7.22%7.39%-70 bps
Liquidity & Funding
Loans / Deposits114.44%125.04%114.10%110.56%108.08%-635 bps
Liquid Assets / Assets0.04%0.05%0.03%0.04%0.03%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a