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Delaware County Bank and Trust Company, The

Delaware, OH · Cert 16940

FDIC · 15 branches

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

Delaware County Bank and Trust Company, The

Delaware, OH · Cert 16940

FDIC · 15 branches

Q1 2017

$553.0MAssets
$391.2MLoans
$485.5MDeposits
$53.8MEquity
Loan mix
89%RE $296.9M9%C&I $31.5M2%Consumer $6.5MQ1 2016Q1 2017
Deposit mix
73%Interest-bearing $355.0M27%Noninterest $130.5MQ1 2016Q1 2017

NIM

3.39%Q1 ’153.30%Q1 ’163.23%Q1 ’17-3%-5%

Non-interest income vs. expense

3.73%Q1 ’153.97%Q1 ’167.75%Q1 ’17+6%+116%

Market Position · Columbus, OH · 2016 SOD (annual) · 0.7% share · #15 of 58 inst. · $0.5B of $63.7B

Executive Summary

  • Earnings: ROA of -2.34%, down 241 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.81% of loans (+81 bps YoY), with net recoveries of 0.14%.
  • Capital: tier 1 leverage ratio of 7.75%, down 122 bps from a year ago.
  • Funding: loans stand at 80.58% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-2.34%-241 bps YoY

Net Interest Margin (YTD, annualized)

2.91%-15 bps YoY

Efficiency Ratio (YTD, annualized)

190.17%+9,021 bps YoY

Tier 1 Leverage Ratio

7.75%-122 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.08%0.17%0.01%-0.10%-2.34%-241 bps
Return on Equity0.71%1.63%0.11%-0.98%-23.35%-2,406 bps
Net Interest Margin3.06%3.11%3.09%3.12%2.91%-15 bps
Efficiency Ratio99.96%96.15%101.03%106.01%190.17%+9,021 bps
Non-Interest Burden3.03%2.89%3.08%3.31%6.53%+350 bps
Growth
Asset Growth (YoY)6.09%2.64%4.35%1.62%-0.05%-614 bps
Loan Growth (YoY)3.81%3.76%2.95%2.59%-0.11%-393 bps
Deposit Growth (YoY)-0.55%-0.65%3.12%0.50%4.74%+530 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.81%+81 bps
Net Charge-Offs / Loans0.00%-0.13%-0.09%-0.07%-0.14%-13 bps
Allowance / Loans1.11%1.16%1.17%1.12%1.15%+4 bps
Allowance Coverage of NPLsn/an/an/an/a1.4xn/an/a
Capital
Tier 1 Leverage Ratio8.97%9.02%8.84%8.56%7.75%-122 bps
Total Risk-Based Capital13.75%13.70%13.44%13.34%12.26%-150 bps
Equity / Assets10.49%10.55%10.28%10.28%9.73%-76 bps
Liquidity & Funding
Loans / Deposits84.50%84.60%79.73%81.21%80.58%-392 bps
Liquid Assets / Assets3.55%2.67%3.79%2.85%2.75%-81 bps
CRE / Total Capitaln/an/an/an/an/an/an/a