Edon, OH · Cert 13206
FDIC · 1 branch
Q1 2020
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.90% | 0.85% | 0.86% | 0.55% | -41 bps | |
| Return on Equity | 5.26% | 4.80% | 4.48% | 4.52% | 2.91% | -235 bps | |
| Net Interest Margin | 2.50% | 2.54% | 2.57% | 2.37% | 2.20% | -30 bps | |
| Efficiency Ratio | 63.61% | 66.17% | 67.45% | 67.25% | 77.20% | +1,358 bps | |
| Non-Interest Burden | 1.53% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.47% | 1.45% | 1.46% | 1.53% | 1.62% | +15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.99% | 19.89% | 20.43% | 18.27% | 18.62% | -37 bps | |
| Total Risk-Based Capital | 48.32% | 48.46% | 49.93% | 50.19% | 68.03% | +1,970 bps | |
| Equity / Assets | 18.64% | 20.13% | 19.64% | 18.42% | 19.10% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.57% | 41.03% | 39.83% | 36.24% | 35.79% | -178 bps | |
| Liquid Assets / Assets | 52.49% | 49.05% | 50.36% | 53.47% | 66.32% | +1,383 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |