Brookville, OH · Cert 14357
FDIC · 2 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Brookville, OH · Cert 14357
FDIC · 2 branches
Q1 2015
Market Position · Dayton, OH · 2014 SOD (annual) · 0.9% share · #11 of 26 inst. · $0.1B of $10.5B
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.27% | 0.30% | 0.30% | 0.33% | +6 bps | |
| Return on Equity | 3.24% | 3.21% | 3.48% | 3.41% | 3.74% | +50 bps | |
| Net Interest Margin | 2.16% | 2.15% | 2.16% | 2.15% | 2.11% | -5 bps | |
| Efficiency Ratio | 82.86% | 82.97% | 81.51% | 81.91% | 79.05% | -381 bps | |
| Non-Interest Burden | 1.76% | 1.75% | 1.73% | 1.73% | 1.63% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.23% | 2.42% | 1.34% | 0.20% | 2.23% | +245 bps | |
| Loan Growth (YoY) | 14.53% | 16.39% | 8.21% | 2.47% | -1.68% | -1,621 bps | |
| Deposit Growth (YoY) | 0.69% | 2.31% | 1.08% | 0.13% | 1.96% | +127 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% | 0.02% | +2 bps | |
| Allowance / Loans | 1.04% | 1.03% | 1.04% | 1.02% | 1.05% | +1 bps | |
| Allowance Coverage of NPLs | 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 | 8.84% | n/a | n/a |
| Total Risk-Based Capital | 23.96% | 23.87% | 24.20% | 22.94% | 21.21% | -275 bps | |
| Equity / Assets | 8.52% | 8.66% | 8.80% | 8.86% | 8.98% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.94% | 37.34% | 36.99% | 37.45% | 35.62% | -132 bps | |
| Liquid Assets / Assets | 9.12% | 8.98% | 8.16% | 7.62% | 9.97% | +85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |