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Letter portraitLegal landscapeQuarterYTD

Home Savings and Loan Company of Youngstown, Ohio, The

Youngstown, OH · Cert 28114

FDIC · 31 branches

Q4 2016

$2.2BAssets
$1.6BLoans
$1.6BDeposits
$216.5MEquity
Loan mix
89%RE $1.3B7%C&I $0.1B4%Consumer $0.1BQ1 2015Q4 2016
Deposit mix
80%Interest-bearing $1.3B20%Noninterest $0.3BQ1 2015Q4 2016

Market Position · Youngstown-Warren-Boardman, OH-PA · 2016 SOD (annual) · 9.4% share · #5 of 19 inst. · $0.9B of $9.2B

16.1% Mahoning
19.7% Columbiana
5.3% Trumbull
12.5% Huron

Executive Summary

  • Earnings: ROA of 1.04%, up 13 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 10.65%, down 81 bps from a year ago.
  • Funding: loans stand at 101.06% of deposits as of Q4 2016.

Return on Assets (quarter, annualized)

1.04%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.02%+6 bps YoY

Efficiency Ratio (quarter, annualized)

57.87%-516 bps YoY

Tier 1 Leverage Ratio

10.65%-81 bps YoY

NIM

3.49%Q4 ’143.41%Q4 ’153.41%Q4 ’16+2%+2%

Non-interest income vs. expense

3.02%Q4 ’142.53%Q4 ’152.30%Q4 ’16-39%-8%

Discrete quarter, annualized.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.84%0.91%0.88%0.91%0.68%1.04%1.01%1.04%+13 bps
Return on Equity6.97%7.65%7.52%7.91%6.04%9.06%8.98%10.02%+211 bps
Net Interest Margin3.04%2.97%2.97%2.96%3.00%3.02%3.02%3.02%+6 bps
Efficiency Ratio68.97%62.39%62.75%63.03%62.89%60.56%58.13%57.87%-516 bps
Non-Interest Burden1.80%1.41%1.47%1.45%1.56%1.43%1.32%1.34%-12 bps
Growth
Asset Growth (YoY)6.26%7.46%9.47%8.44%9.32%8.03%9.45%10.14%+170 bps
Loan Growth (YoY)12.08%14.56%16.11%15.48%16.02%14.23%16.40%15.68%+19 bps
Deposit Growth (YoY)0.20%3.42%3.67%6.54%4.04%1.38%4.97%6.06%-48 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.34%0.02%0.19%0.84%0.03%0.07%0.16%-3 bps
Allowance / Loans1.41%1.32%1.31%1.29%1.20%1.17%1.17%1.20%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.99%11.94%12.01%11.46%11.53%11.69%11.28%10.65%-81 bps
Total Risk-Based Capital20.72%19.69%19.67%18.72%18.39%18.56%17.21%16.47%-225 bps
Equity / Assets12.11%11.63%11.84%11.11%11.35%11.58%10.87%9.88%-122 bps
Liquidity & Funding
Loans / Deposits84.44%87.23%93.03%92.66%94.16%98.28%103.16%101.06%+840 bps
Liquid Assets / Assets0.97%1.33%6.94%6.26%6.08%5.90%5.65%5.25%-101 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a