PackageTrendsPeer
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Edon State Bank Company of Edon, Ohio, The

Edon, OH · Cert 13206

FDIC · 1 branch

Q1 2020

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: Q1 2020, the quarter ended March 31, 2020, 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

Edon State Bank Company of Edon, Ohio, The

Edon, OH · Cert 13206

FDIC · 1 branch

Q1 2020

$59.6MAssets
$17.3MLoans
$48.2MDeposits
$11.4MEquity
Loan mix
93%RE $14.2M6%C&I $0.9M1%Consumer $0.2MQ1 2019Q1 2020
Deposit mix
84%Interest-bearing $40.3M16%Noninterest $7.9MQ1 2019Q1 2020

NIM

2.53%Q1 ’182.73%Q1 ’192.50%Q1 ’20+4%-12%

Non-interest income vs. expense

1.68%Q1 ’181.69%Q1 ’191.84%Q1 ’20+6%+8%

Executive Summary

  • Earnings: ROA of 0.55%, down 41 bps year over year; NIM at 2.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.62%, down 37 bps from a year ago.
  • Funding: loans stand at 35.79% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

0.55%-41 bps YoY

Net Interest Margin (YTD, annualized)

2.20%-30 bps YoY

Efficiency Ratio (YTD, annualized)

77.20%+1,358 bps YoY

Tier 1 Leverage Ratio

18.62%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.96%0.90%0.85%0.86%0.55%-41 bps
Return on Equity5.26%4.80%4.48%4.52%2.91%-235 bps
Net Interest Margin2.50%2.54%2.57%2.37%2.20%-30 bps
Efficiency Ratio63.61%66.17%67.45%67.25%77.20%+1,358 bps
Non-Interest Burden1.53%1.61%1.66%1.53%1.66%+13 bps
Growth
Asset Growth (YoY)-0.92%-3.49%0.28%-0.01%-1.98%-106 bps
Loan Growth (YoY)-1.43%-4.81%-1.15%-3.82%-7.17%-574 bps
Deposit Growth (YoY)-1.87%-4.58%4.01%-0.79%-2.55%-68 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.47%1.45%1.46%1.53%1.62%+15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio18.99%19.89%20.43%18.27%18.62%-37 bps
Total Risk-Based Capital48.32%48.46%49.93%50.19%68.03%+1,970 bps
Equity / Assets18.64%20.13%19.64%18.42%19.10%+47 bps
Liquidity & Funding
Loans / Deposits37.57%41.03%39.83%36.24%35.79%-178 bps
Liquid Assets / Assets52.49%49.05%50.36%53.47%66.32%+1,383 bps
CRE / Total Capitaln/an/an/an/an/an/an/a