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Oakwood Deposit Bank Company, The

Oakwood, OH · Cert 8966

FDIC

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, 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

Oakwood Deposit Bank Company, The

Oakwood, OH · Cert 8966

FDIC

Q4 2001

$72.3MAssets
$33.4MLoans
$60.2MDeposits
$6.4MEquity
Deposit mix
90%Interest-bearing $54.2M10%Noninterest $6.0MQ4 2000Q4 2001

NIM

7.31%Q1 ’016.35%Q3 ’016.34%Q4 ’01-7%+10%

Non-interest income vs. expense

1.60%Q1 ’011.58%Q3 ’011.61%Q4 ’01-7%+9%

Executive Summary

  • Earnings: ROA of 1.01%, up 11 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.26%.
  • Funding: loans stand at 55.49% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.01%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.61%

Efficiency Ratio (YTD, annualized)

54.18%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.90%0.95%1.01%0.97%1.01%+11 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a2.56%2.46%2.38%2.61%n/a
Efficiency Ration/a54.88%55.31%56.46%54.18%n/a
Non-Interest Burdenn/a1.24%1.18%1.15%1.25%n/a
Growth
Asset Growth (YoY)7.09%3.41%5.81%10.08%5.09%-201 bps
Loan Growth (YoY)-1.41%-0.39%-5.98%-3.32%0.56%+197 bps
Deposit Growth (YoY)9.02%7.92%1.48%7.08%2.02%-700 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.35%0.20%0.20%0.26%n/a
Allowance / Loansn/a1.21%1.29%1.30%1.47%n/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/a18.56%18.18%19.37%19.90%n/a
Equity / Assetsn/a8.35%8.37%7.98%8.82%n/a
Liquidity & Funding
Loans / Deposits56.30%58.79%53.47%51.14%55.49%-81 bps
Liquid Assets / Assets0.00%15.32%13.73%14.44%13.66%+1,366 bps
CRE / Total Capitaln/an/an/an/an/an/an/a