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Letter portraitLegal landscapeQuarterYTD

Fifth Third Bank, Indiana

Saint Joseph, MI · Cert 8164

FDIC

Q1 2001

$10.5BAssets
$5.1BLoans
$6.8BDeposits
$950.7MEquity
Loan mix
49%RE $1.3B49%C&I $1.2B1%Consumer $0.0BQ1 2000Q1 2001
Deposit mix
92%Interest-bearing $6.3B8%Noninterest $0.5BQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.13%, down 40 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.60%.
  • Funding: loans stand at 75.35% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

1.13%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.06%

Efficiency Ratio (YTD, annualized)

51.39%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.54%1.31%1.38%1.35%1.13%-40 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.06%n/an/a
Efficiency Ration/an/an/an/a51.39%n/an/a
Non-Interest Burdenn/an/an/an/a1.03%n/an/a
Growth
Asset Growth (YoY)30.59%23.80%19.34%40.58%11.36%-1,922 bps
Loan Growth (YoY)26.15%11.98%4.83%30.15%4.33%-2,182 bps
Deposit Growth (YoY)20.98%20.55%20.67%42.33%14.19%-679 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.60%n/an/a
Allowance / Loansn/an/an/an/a1.48%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/a11.12%n/an/a
Equity / Assetsn/an/an/an/a9.08%n/an/a
Liquidity & Funding
Loans / Deposits82.47%76.19%75.70%74.74%75.35%-712 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