Upper Sandusky, OH · Cert 2291
FDIC · 7 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Upper Sandusky, OH · Cert 2291
FDIC · 7 branches
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.99% | 1.05% | 1.06% | 1.90% | 1.55% | 1.38% | 1.31% | +26 bps | |
| Return on Equity | 9.59% | 9.74% | 10.21% | 10.24% | 18.00% | 14.52% | 12.90% | 12.22% | +199 bps | |
| Net Interest Margin | 3.96% | 4.05% | 4.19% | 4.10% | 4.20% | 4.11% | 4.09% | 3.97% | -13 bps | |
| Efficiency Ratio | 69.30% | 68.60% | 67.09% | 66.71% | 55.25% | 59.08% | 61.48% | 62.09% | -463 bps | |
| Non-Interest Burden | 2.55% | 2.60% | 2.61% | 2.54% | 1.70% | 2.03% | 2.19% | 2.17% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | -0.31% | 2.13% | 1.36% | 0.48% | 4.73% | 4.45% | 4.32% | +296 bps | |
| Loan Growth (YoY) | 1.37% | 0.69% | 1.73% | 6.37% | 8.65% | 7.15% | 5.92% | 0.19% | -618 bps | |
| Deposit Growth (YoY) | 6.09% | 1.31% | 2.82% | -0.83% | -0.85% | 4.61% | 4.30% | 5.84% | +667 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.06% | 0.15% | 0.15% | 0.03% | 0.02% | 0.02% | 0.01% | -14 bps | |
| Allowance / Loans | 1.50% | 1.47% | 1.39% | 1.30% | 1.30% | 1.29% | 1.29% | 1.31% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 10.21% | 10.72% | 10.57% | 10.84% | 10.76% | 10.91% | 10.83% | +26 bps | |
| Total Risk-Based Capital | 13.57% | 13.76% | 13.36% | 13.03% | 13.39% | 13.58% | 13.74% | 14.11% | +108 bps | |
| Equity / Assets | 10.02% | 10.59% | 10.61% | 10.42% | 10.70% | 10.87% | 10.89% | 10.80% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.82% | 96.46% | 96.79% | 100.07% | 99.52% | 98.80% | 98.29% | 94.72% | -535 bps | |
| Liquid Assets / Assets | 7.00% | 4.22% | 3.49% | 2.83% | 2.64% | 4.27% | 3.43% | 8.37% | +554 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |