Upper Sandusky, OH · Cert 2291
FDIC · 7 branches
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.02% | 1.18% | 1.08% | 1.90% | 1.20% | 1.06% | 1.11% | +3 bps | |
| Return on Equity | 9.59% | 9.89% | 11.14% | 10.29% | 18.00% | 11.10% | 9.74% | 10.26% | -3 bps | |
| Net Interest Margin | 3.96% | 4.16% | 4.23% | 4.14% | 4.20% | 4.15% | 4.08% | 3.91% | -23 bps | |
| Efficiency Ratio | 69.30% | 67.93% | 64.12% | 65.60% | 55.25% | 63.45% | 66.69% | 64.02% | -159 bps | |
| Non-Interest Burden | 2.55% | 2.65% | 2.48% | 2.51% | 1.70% | 2.41% | 2.52% | 2.28% | -22 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% | 0.09% | 0.35% | 0.17% | 0.03% | 0.01% | 0.03% | -0.01% | -18 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 |