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National Bank of Oak Harbor, The

Oak Harbor, OH · Cert 14528

FDIC

Q3 2013

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: Q3 2013, the quarter ended September 30, 2013, 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

National Bank of Oak Harbor, The

Oak Harbor, OH · Cert 14528

FDIC

Q3 2013

$228.3MAssets
$177.2MLoans
$197.4MDeposits
$21.0MEquity
Loan mix
86%RE $112.8M5%C&I $7.1M9%Consumer $11.8MQ3 2012Q3 2013
Deposit mix
82%Interest-bearing $161.1M18%Noninterest $36.3MQ3 2012Q3 2013

NIM

4.66%Q3 ’114.69%Q3 ’124.41%Q3 ’13+8%-2%

Non-interest income vs. expense

3.13%Q3 ’113.30%Q3 ’123.23%Q3 ’13+1%-5%

Executive Summary

  • Earnings: ROA of 0.75%, up 13 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 89.74% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.75%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-7 bps YoY

Efficiency Ratio (YTD, annualized)

70.28%-134 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.62%0.74%0.64%0.75%0.75%+13 bps
Return on Equity6.69%8.00%6.91%8.15%8.19%+150 bps
Net Interest Margin3.78%3.81%3.75%3.77%3.71%-7 bps
Efficiency Ratio71.62%69.59%73.91%69.82%70.28%-134 bps
Non-Interest Burden2.47%2.38%2.51%2.36%2.35%-12 bps
Growth
Asset Growth (YoY)3.61%4.38%3.40%3.78%2.32%-129 bps
Loan Growth (YoY)10.27%9.29%8.10%6.41%1.48%-879 bps
Deposit Growth (YoY)5.21%6.53%6.94%3.18%4.86%-35 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.53%0.41%0.30%0.13%0.05%-47 bps
Allowance / Loans1.05%1.11%1.13%1.20%1.33%+28 bps
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 Capital13.92%13.92%14.02%13.96%14.46%+54 bps
Equity / Assets8.87%9.13%9.39%8.95%9.18%+32 bps
Liquidity & Funding
Loans / Deposits92.72%93.63%92.79%92.02%89.74%-298 bps
Liquid Assets / Assets3.09%2.42%3.16%4.34%6.39%+330 bps
CRE / Total Capitaln/an/an/an/an/an/an/a