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Malta National Bank, The

Malta, OH · Cert 6629

FDIC

Q1 2001

$9.1MAssets
$5.1MLoans
$8.7MDeposits
$307KEquity
Deposit mix
93%Interest-bearing $8.1M7%Noninterest $0.6MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.09%, up 697 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.09%.
  • Funding: loans stand at 58.81% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.09%+697 bps YoY

Net Interest Margin (quarter, annualized)

3.83%

Efficiency Ratio (quarter, annualized)

62.66%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets-5.89%-5.48%-4.66%-6.80%1.09%+697 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.83%n/an/a
Efficiency Ration/an/an/an/a62.66%n/an/a
Non-Interest Burdenn/an/an/an/a-1.61%n/an/a
Growth
Asset Growth (YoY)-9.96%-15.43%-15.96%-14.23%4.56%+1,452 bps
Loan Growth (YoY)-21.63%-15.03%-13.07%-16.28%6.34%+2,797 bps
Deposit Growth (YoY)-15.07%-13.42%-12.00%-9.12%10.04%+2,511 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a7.09%n/an/a
Allowance / Loansn/an/an/an/a4.09%n/an/a
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 Capitaln/an/an/an/a7.47%n/an/a
Equity / Assetsn/an/an/an/a3.38%n/an/a
Liquidity & Funding
Loans / Deposits60.85%67.17%64.90%58.83%58.81%-204 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%6.50%+650 bps
CRE / Total Capitaln/an/an/an/an/an/an/a