PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Savings Bank and Trust Company, The

Orrville, OH · Cert 768

FDIC

Q2 2003

$228.6MAssets
$111.4MLoans
$165.8MDeposits
$44.2MEquity
Loan mix
48%RE $30.5M50%C&I $31.9M2%Consumer $1.1MQ3 2001Q2 2003
Deposit mix
91%Interest-bearing $150.7M9%Noninterest $15.1MQ3 2001Q2 2003

Executive Summary

  • Earnings: ROA of 0.68%, down 85 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.37%.
  • Funding: loans stand at 67.19% of deposits as of Q2 2003.

Return on Assets (YTD, annualized)

0.68%-85 bps YoY

Net Interest Margin (YTD, annualized)

4.09%-17 bps YoY

Efficiency Ratio (YTD, annualized)

71.85%+1,345 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.32%Q2 ’016.49%Q2 ’025.70%Q2 ’03+20%-4%

Non-interest income vs. expense

2.96%Q2 ’013.05%Q2 ’023.86%Q2 ’03+5%+26%

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets1.06%1.13%1.43%1.53%1.55%1.46%1.18%0.68%-85 bps
Return on Equityn/an/a17.63%18.73%18.59%17.26%13.06%5.35%-1,338 bps
Net Interest Margin3.57%3.66%4.30%4.26%4.15%4.10%4.10%4.09%-17 bps
Efficiency Ratio65.01%64.62%61.25%58.40%57.70%59.31%62.51%71.85%+1,345 bps
Non-Interest Burden2.02%2.09%2.29%2.09%1.98%2.05%2.16%2.65%+55 bps
Growth
Asset Growth (YoY)7.71%15.24%8.38%11.20%11.78%6.58%7.26%14.58%+338 bps
Loan Growth (YoY)-3.28%3.26%3.89%8.90%9.38%4.32%2.04%-4.10%-1,300 bps
Deposit Growth (YoY)6.87%10.93%6.15%11.62%10.70%7.06%7.41%-0.18%-1,180 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%0.25%0.22%0.34%0.29%0.28%0.23%0.37%+3 bps
Allowance / Loans1.38%1.32%1.33%1.26%1.25%1.30%1.54%1.88%+62 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.71%11.34%11.76%11.53%11.57%11.70%12.61%12.49%+96 bps
Equity / Assets8.39%7.96%8.22%8.35%8.78%8.82%9.21%19.33%+1,098 bps
Liquidity & Funding
Loans / Deposits71.11%71.98%74.01%69.94%70.26%70.14%70.31%67.19%-274 bps
Liquid Assets / Assets0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.01%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a