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First City Bank

Columbus, OH · Cert 741

FDIC · 1 branch

Q3 2022

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: Q3 2022, the quarter ended September 30, 2022, 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

First City Bank

Columbus, OH · Cert 741

FDIC · 1 branch

Q3 2022

$58.4MAssets
$51.4MLoans
$49.1MDeposits
$8.7MEquity
Loan mix
98%RE $28.1M2%C&I $0.4M0%Consumer $0.0MQ3 2021Q3 2022
Deposit mix
73%Interest-bearing $35.6M27%Noninterest $13.4MQ3 2021Q3 2022

NIM

4.32%Q3 ’204.57%Q3 ’214.86%Q3 ’22+14%+9%

Non-interest income vs. expense

2.81%Q3 ’203.10%Q3 ’213.95%Q3 ’22+11%+28%

Market Position · Columbus, OH · 2022 SOD (annual) · 0.1% share · #43 of 54 inst. · $0.1B of $100.5B

Executive Summary

  • Earnings: ROA of 0.62%, down 52 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.29%, up 231 bps from a year ago.
  • Funding: loans stand at 104.67% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

0.62%-52 bps YoY

Net Interest Margin (YTD, annualized)

4.58%+39 bps YoY

Efficiency Ratio (YTD, annualized)

85.40%+1,219 bps YoY

Tier 1 Leverage Ratio

14.29%+231 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets1.14%1.06%0.95%0.56%0.62%-52 bps
Return on Equity9.43%8.77%8.03%4.47%4.74%-469 bps
Net Interest Margin4.19%4.28%3.64%4.23%4.58%+39 bps
Efficiency Ratio73.21%75.49%82.01%88.50%85.40%+1,219 bps
Non-Interest Burden3.06%3.23%2.98%3.74%3.90%+85 bps
Growth
Asset Growth (YoY)-5.00%2.14%-1.65%-14.40%-15.88%-1,087 bps
Loan Growth (YoY)-19.05%-13.79%-16.23%-8.54%-3.28%+1,577 bps
Deposit Growth (YoY)3.80%11.80%-1.83%-14.65%-18.53%-2,233 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.48%1.46%1.35%1.34%1.34%-14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.98%12.16%11.41%12.95%14.29%+231 bps
Total Risk-Based Capital11.98%12.16%11.41%12.95%14.29%+231 bps
Equity / Assets12.45%11.86%11.76%14.04%14.87%+242 bps
Liquidity & Funding
Loans / Deposits88.16%85.33%79.43%97.62%104.67%+1,651 bps
Liquid Assets / Assets18.41%20.59%23.02%11.79%5.25%-1,315 bps
CRE / Total Capitaln/an/an/an/an/an/an/a