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Ripley Federal Savings Bank

Ripley, OH · Cert 29323

FDIC · 2 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Ripley Federal Savings Bank

Ripley, OH · Cert 29323

FDIC · 2 branches

Q3 2017

$65.4MAssets
$51.1MLoans
$53.9MDeposits
$6.6MEquity
Loan mix
98%RE $48.7M1%C&I $0.6M1%Consumer $0.6MQ3 2016Q3 2017
Deposit mix
95%Interest-bearing $51.4M5%Noninterest $2.5MQ3 2016Q3 2017

NIM

3.52%Q3 ’153.77%Q3 ’163.77%Q3 ’17+11%+2%

Non-interest income vs. expense

3.08%Q3 ’153.19%Q3 ’162.86%Q3 ’17+12%-17%

Market Position · Cincinnati, OH-KY-IN · 2017 SOD (annual) · 0.0% share · #48 of 66 inst. · $0.1B of $112.3B

Executive Summary

  • Earnings: ROA of 0.35%, up 161 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 1.20% of loans (+120 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.40%, up 36 bps from a year ago.
  • Funding: loans stand at 94.78% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.35%+161 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+6 bps YoY

Efficiency Ratio (YTD, annualized)

86.61%-1,739 bps YoY

Tier 1 Leverage Ratio

10.40%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-1.25%-0.83%0.46%0.30%0.35%+161 bps
Return on Equity-12.54%-8.43%4.79%3.09%3.63%+1,617 bps
Net Interest Margin2.93%2.92%3.02%2.97%2.99%+6 bps
Efficiency Ratio103.99%99.24%86.15%86.95%86.61%-1,739 bps
Non-Interest Burden3.07%2.91%2.58%2.56%2.56%-51 bps
Growth
Asset Growth (YoY)2.10%0.36%-0.60%0.17%-3.43%-553 bps
Loan Growth (YoY)2.17%-0.92%-2.36%-1.80%-3.73%-590 bps
Deposit Growth (YoY)0.38%-0.95%-1.84%-1.82%-5.08%-546 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.23%1.29%1.20%+120 bps
Net Charge-Offs / Loans1.22%0.94%-0.05%0.07%0.03%-119 bps
Allowance / Loans1.72%1.75%1.78%1.82%1.85%+14 bps
Allowance Coverage of NPLsn/an/a1.5x1.4x1.5xn/a
Capital
Tier 1 Leverage Ratio10.05%9.92%10.26%10.28%10.40%+36 bps
Total Risk-Based Capital15.27%15.41%15.75%15.59%16.30%+104 bps
Equity / Assets9.29%9.48%9.70%9.74%10.12%+83 bps
Liquidity & Funding
Loans / Deposits93.45%91.96%92.16%93.59%94.78%+133 bps
Liquid Assets / Assets10.39%11.27%11.12%11.77%10.24%-16 bps
CRE / Total Capitaln/an/an/an/an/an/an/a