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Perpetual Federal Savings Bank of Urbana

Urbana, OH · Cert 28934

FDIC · 1 branch

Q3 2021

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: 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.

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

Perpetual Federal Savings Bank of Urbana

Urbana, OH · Cert 28934

FDIC · 1 branch

Q3 2021

$393.5MAssets
$338.9MLoans
$307.8MDeposits
$78.0MEquity
Loan mix
94%RE $290.2M6%C&I $18.0M1%Consumer $2.0MQ3 2020Q3 2021
Deposit mix
99%Interest-bearing $304.7M1%Noninterest $3.1MQ3 2020Q3 2021

NIM

4.51%Q3 ’194.12%Q3 ’203.73%Q3 ’21-13%-2%

Non-interest income vs. expense

1.03%Q3 ’191.08%Q3 ’202.02%Q3 ’21+2%+88%

Executive Summary

  • Earnings: ROA of 0.73%, down 51 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.24% of loans (-14 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 19.54%, down 23 bps from a year ago.
  • Funding: loans stand at 110.08% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.73%-51 bps YoY

Net Interest Margin (YTD, annualized)

2.52%-6 bps YoY

Efficiency Ratio (YTD, annualized)

78.39%+3,705 bps YoY

Tier 1 Leverage Ratio

19.54%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets1.24%1.23%1.21%1.17%0.73%-51 bps
Return on Equity6.29%6.22%6.00%5.83%3.62%-266 bps
Net Interest Margin2.58%2.58%2.56%2.56%2.52%-6 bps
Efficiency Ratio41.33%41.47%41.88%43.97%78.39%+3,705 bps
Non-Interest Burden1.04%1.04%1.03%1.08%1.96%+92 bps
Growth
Asset Growth (YoY)-0.15%-0.82%-0.74%0.22%0.63%+79 bps
Loan Growth (YoY)-2.71%-0.40%-1.96%-0.96%1.26%+397 bps
Deposit Growth (YoY)0.34%-0.43%-0.23%1.09%0.43%+9 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.43%0.27%0.25%0.24%-14 bps
Net Charge-Offs / Loans-0.03%-0.03%0.22%0.09%0.05%+8 bps
Allowance / Loans1.52%1.52%1.50%1.47%1.46%-5 bps
Allowance Coverage of NPLs4.0x3.6x5.5x5.9x6.0x+2.0x
Capital
Tier 1 Leverage Ratio19.77%20.04%20.25%20.05%19.54%-23 bps
Total Risk-Based Capital34.67%34.59%35.55%34.68%34.60%-7 bps
Equity / Assets19.97%20.08%20.25%20.05%19.83%-14 bps
Liquidity & Funding
Loans / Deposits109.18%108.81%106.99%108.27%110.08%+90 bps
Liquid Assets / Assets12.18%12.02%13.17%11.44%12.55%+37 bps
CRE / Total Capitaln/an/an/an/an/an/an/a