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Letter portraitLegal landscapeQuarterYTD

First National Bank of Ottawa, The

Ottawa, OH · Cert 6669

FDIC

Q1 2001

$74.1MAssets
$53.2MLoans
$63.2MDeposits
$5.4MEquity
Loan mix
52%RE $14.2M46%C&I $12.5M2%Consumer $0.5MQ1 2000Q1 2001
Deposit mix
92%Interest-bearing $58.4M8%Noninterest $4.8MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.25%, up 3 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 84.19% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

1.25%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.82%

Efficiency Ratio (quarter, annualized)

50.81%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.22%1.30%1.32%1.32%1.25%+3 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.82%n/an/a
Efficiency Ration/an/an/an/a50.81%n/an/a
Non-Interest Burdenn/an/an/an/a1.81%n/an/a
Growth
Asset Growth (YoY)25.28%15.51%7.07%1.88%5.44%-1,984 bps
Loan Growth (YoY)34.47%13.14%7.33%9.09%9.19%-2,528 bps
Deposit Growth (YoY)19.98%15.55%5.67%1.64%5.13%-1,484 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.13%n/an/a
Allowance / Loansn/an/an/an/a1.36%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/a10.90%n/an/a
Equity / Assetsn/an/an/an/a7.31%n/an/a
Liquidity & Funding
Loans / Deposits81.06%81.24%82.84%86.00%84.19%+313 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a