Urbana, OH · Cert 28934
FDIC · 1 branch
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.
Urbana, OH · Cert 28934
FDIC · 1 branch
Q3 2021
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 | 1.54% | 1.25% | 1.24% | 1.24% | 1.23% | 1.21% | 1.17% | 0.73% | -51 bps | |
| Return on Equity | 8.05% | 6.40% | 6.32% | 6.29% | 6.22% | 6.00% | 5.83% | 3.62% | -266 bps | |
| Net Interest Margin | 2.90% | 2.63% | 2.56% | 2.58% | 2.58% | 2.56% | 2.56% | 2.52% | -6 bps | |
| Efficiency Ratio | 34.85% | 41.55% | 41.03% | 41.33% | 41.47% | 41.88% | 43.97% | 78.39% | +3,705 bps | |
| Non-Interest Burden | 1.00% | 1.08% | 1.03% | 1.04% | 1.04% | 1.03% | 1.08% | 1.96% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.30% | 0.38% | 0.70% | -0.15% | -0.82% | -0.74% | 0.22% | 0.63% | +79 bps | |
| Loan Growth (YoY) | -4.32% | -5.45% | -4.65% | -2.71% | -0.40% | -1.96% | -0.96% | 1.26% | +397 bps | |
| Deposit Growth (YoY) | 1.75% | 1.14% | 0.23% | 0.34% | -0.43% | -0.23% | 1.09% | 0.43% | +9 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.54% | 0.51% | 0.38% | 0.43% | 0.27% | 0.25% | 0.24% | -14 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.05% | -0.03% | -0.03% | -0.03% | 0.22% | 0.09% | 0.05% | +8 bps | |
| Allowance / Loans | 1.52% | 1.53% | 1.50% | 1.52% | 1.52% | 1.50% | 1.47% | 1.46% | -5 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.8x | 2.9x | 4.0x | 3.6x | 5.5x | 5.9x | 6.0x | +2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.44% | 19.62% | 19.57% | 19.77% | 20.04% | 20.25% | 20.05% | 19.54% | -23 bps | |
| Total Risk-Based Capital | 35.32% | 35.14% | 34.34% | 34.67% | 34.59% | 35.55% | 34.68% | 34.60% | -7 bps | |
| Equity / Assets | 19.38% | 19.63% | 19.67% | 19.97% | 20.08% | 20.25% | 20.05% | 19.83% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.78% | 108.87% | 110.51% | 109.18% | 108.81% | 106.99% | 108.27% | 110.08% | +90 bps | |
| Liquid Assets / Assets | 14.49% | 13.43% | 11.77% | 12.18% | 12.02% | 13.17% | 11.44% | 12.55% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |