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Henry County Bank, The

Napoleon, OH · Cert 15384

FDIC · 7 branches

Q2 2022

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: Q2 2022, the quarter ended June 30, 2022, 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 2026-10-10

Henry County Bank, The

Napoleon, OH · Cert 15384

FDIC · 7 branches

Q2 2022

$315.1MAssets
$175.5MLoans
$271.1MDeposits
$20.6MEquity
Loan mix
85%RE $126.1M7%C&I $9.8M9%Consumer $13.0MQ2 2021Q2 2022
Deposit mix
72%Interest-bearing $195.0M28%Noninterest $76.1MQ2 2021Q2 2022

NIM

3.43%Q2 ’202.83%Q2 ’213.18%Q2 ’22-11%+17%

Non-interest income vs. expense

2.39%Q2 ’202.21%Q2 ’213.62%Q2 ’22-11%+82%

Market Position · Toledo, OH · 2022 SOD (annual) · 0.1% share · #27 of 27 inst. · $0.0B of $16.9B

31.9% Henry
0.3% Wood

Executive Summary

  • Earnings: ROA of -0.34%, down 89 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.25% of loans (-30 bps YoY), with net charge-offs at 0.64%.
  • Capital: tier 1 leverage ratio of 8.56%, down 71 bps from a year ago.
  • Funding: loans stand at 64.74% of deposits as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.34%-89 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+42 bps YoY

Efficiency Ratio (YTD, annualized)

116.52%+3,878 bps YoY

Tier 1 Leverage Ratio

8.56%-71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.55%0.53%0.54%0.48%-0.34%-89 bps
Return on Equity5.59%5.41%5.49%5.34%-4.20%-978 bps
Net Interest Margin2.51%2.54%2.61%2.66%2.93%+42 bps
Efficiency Ratio77.74%78.62%78.98%80.15%116.52%+3,878 bps
Non-Interest Burden1.87%1.93%1.99%2.08%3.41%+154 bps
Growth
Asset Growth (YoY)7.29%4.04%4.24%-1.69%-5.48%-1,277 bps
Loan Growth (YoY)6.55%7.03%7.04%5.25%12.30%+575 bps
Deposit Growth (YoY)9.42%6.66%5.69%0.32%-3.34%-1,276 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.55%0.50%0.76%0.25%-30 bps
Net Charge-Offs / Loans-0.05%-0.04%-0.06%-0.11%0.64%+69 bps
Allowance / Loans1.17%1.12%1.14%1.15%0.76%-42 bps
Allowance Coverage of NPLs2.1x2.0x2.3x1.5x3.0x+0.9x
Capital
Tier 1 Leverage Ratio9.26%9.38%9.45%9.18%8.56%-71 bps
Total Risk-Based Capital9.26%9.38%9.45%9.18%8.56%-71 bps
Equity / Assets9.61%9.94%9.73%8.27%6.54%-307 bps
Liquidity & Funding
Loans / Deposits55.72%59.67%60.65%59.94%64.74%+902 bps
Liquid Assets / Assets3.57%2.28%4.09%3.82%0.60%-296 bps
CRE / Total Capitaln/an/an/an/an/an/an/a