Oakwood Deposit Bank Company, The

Oakwood, OH · Cert 8966

FDIC

Q4 2001

$72.3MAssets

$33.4MLoans

$60.2MDeposits

$6.4MEquity

Deposit mix

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.

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.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	0.75%	0.88%	0.86%	0.90%	0.95%	1.01%	0.97%	1.01%	+11 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	2.56%	2.46%	2.38%	2.61%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	54.88%	55.31%	56.46%	54.18%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	1.24%	1.18%	1.15%	1.25%	n/a
Growth
Asset Growth (YoY)	12.73%	14.14%	16.41%	7.09%	3.41%	5.81%	10.08%	5.09%	-201 bps
Loan Growth (YoY)	15.68%	8.51%	1.47%	-1.41%	-0.39%	-5.98%	-3.32%	0.56%	+197 bps
Deposit Growth (YoY)	6.57%	22.52%	17.87%	9.02%	7.92%	1.48%	7.08%	2.02%	-700 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.35%	0.20%	0.20%	0.26%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.21%	1.29%	1.30%	1.47%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	18.56%	18.18%	19.37%	19.90%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	8.35%	8.37%	7.98%	8.82%	n/a
Liquidity & Funding
Loans / Deposits	63.69%	57.72%	56.64%	56.30%	58.79%	53.47%	51.14%	55.49%	-81 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	15.32%	13.73%	14.44%	13.66%	+1,366 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a