PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 ’016.19%Q3 ’016.37%Q4 ’01-5%+37%

Non-interest income vs. expense

1.60%Q1 ’011.72%Q3 ’011.69%Q4 ’01-1%+27%

Executive Summary

  • Earnings: ROA of 1.09%, up 19 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.43%.
  • Funding: loans stand at 55.49% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

1.09%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.34%

Efficiency Ratio (quarter, annualized)

48.67%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.90%0.95%1.08%0.90%1.09%+19 bps
Return on Equityn/an/a12.90%11.01%13.01%n/a
Net Interest Marginn/a2.56%2.46%2.44%3.34%n/a
Efficiency Ration/a54.88%55.73%58.60%48.67%n/a
Non-Interest Burdenn/a1.24%1.16%1.22%1.56%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%0.02%0.22%0.43%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