Lancaster, OH · Cert 27506
FDIC · 3 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, 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.
Lancaster, OH · Cert 27506
FDIC · 3 branches
Q3 2021
Market Position · Columbus, OH · 2021 SOD (annual) · 0.1% share · #37 of 57 inst. · $0.1B of $98.1B
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.82% | 0.73% | 0.70% | 0.77% | 0.96% | 0.84% | 0.86% | +16 bps | |
| Return on Equity | 8.48% | 8.91% | 7.94% | 7.55% | 8.28% | 10.40% | 9.03% | 9.26% | +171 bps | |
| Net Interest Margin | 3.53% | 3.30% | 3.16% | 3.18% | 3.29% | 3.33% | 3.20% | 3.12% | -6 bps | |
| Efficiency Ratio | 78.69% | 77.64% | 77.22% | 78.26% | 77.04% | 72.83% | 75.47% | 75.19% | -307 bps | |
| Non-Interest Burden | 2.58% | 2.37% | 2.26% | 2.32% | 2.35% | 2.22% | 2.22% | 2.15% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.05% | -2.22% | 3.92% | 3.67% | 4.98% | 9.25% | 4.37% | 4.75% | +108 bps | |
| Loan Growth (YoY) | -6.02% | -5.95% | 3.71% | 4.44% | 2.43% | 1.57% | -10.39% | -13.41% | -1,785 bps | |
| Deposit Growth (YoY) | -2.60% | 8.42% | 7.30% | 5.51% | 12.53% | 11.39% | 12.86% | 12.67% | +716 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.45% | 0.32% | 0.20% | 0.05% | 0.03% | 0.04% | 0.08% | -13 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.07% | 0.12% | 0.15% | 0.16% | 0.11% | 0.07% | 0.04% | -10 bps | |
| Allowance / Loans | 0.96% | 1.02% | 0.93% | 0.92% | 0.89% | 0.90% | 0.92% | 0.98% | +6 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.3x | 2.9x | 4.6x | 17.3x | 29.1x | 23.0x | 12.9x | +8.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.03% | 9.06% | 8.58% | 8.70% | 8.94% | 8.45% | 8.65% | 8.39% | -31 bps | |
| Total Risk-Based Capital | 13.60% | 14.21% | 14.92% | 15.34% | 15.98% | 16.65% | 16.65% | 16.60% | +126 bps | |
| Equity / Assets | 9.06% | 9.44% | 9.17% | 9.39% | 9.50% | 9.03% | 9.22% | 9.33% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.88% | 81.95% | 91.96% | 89.56% | 85.45% | 74.73% | 73.02% | 68.83% | -2,073 bps | |
| Liquid Assets / Assets | 3.87% | 4.79% | 4.12% | 2.79% | 3.14% | 8.22% | 4.41% | 8.69% | +590 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |