Urbana, OH · Cert 28934
FDIC · 1 branch
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.21% | 1.21% | 1.14% | -0.16% | -140 bps | |
| Return on Equity | 6.23% | 6.05% | 6.00% | 5.65% | -0.82% | -705 bps | |
| Net Interest Margin | 2.59% | 2.53% | 2.56% | 2.58% | 2.53% | -7 bps | |
| Efficiency Ratio | 41.94% | 41.90% | 41.88% | 46.02% | 147.59% | +10,565 bps | |
| Non-Interest Burden | 1.06% | 1.02% | 1.03% | 1.15% | 3.75% | +269 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 / Loans | 0.38% | 0.43% | 0.27% | 0.25% | 0.24% | -14 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.22% | -0.03% | -0.04% | -1 bps | |
| Allowance / Loans | 1.52% | 1.52% | 1.50% | 1.47% | 1.46% | -5 bps | |
| Allowance Coverage of NPLs | 4.0x | 3.6x | 5.5x | 5.9x | 6.0x | +2.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.77% | 20.04% | 20.25% | 20.05% | 19.54% | -23 bps | |
| Total Risk-Based Capital | 34.67% | 34.59% | 35.55% | 34.68% | 34.60% | -7 bps | |
| Equity / Assets | 19.97% | 20.08% | 20.25% | 20.05% | 19.83% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.18% | 108.81% | 106.99% | 108.27% | 110.08% | +90 bps | |
| Liquid Assets / Assets | 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 |