Sidney, OH · Cert 30001
FDIC · 4 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Sidney, OH · Cert 30001
FDIC · 4 branches
Q3 2016
Market Position · Dayton, OH · 2016 SOD (annual) · 0.3% share · #19 of 26 inst. · $0.0B of $11.0B
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.54% | 0.51% | 0.52% | 0.48% | 0.19% | 0.24% | 0.37% | -14 bps | |
| Return on Equity | 4.81% | 4.93% | 4.68% | 4.68% | 4.39% | 1.69% | 2.21% | 3.42% | -126 bps | |
| Net Interest Margin | 3.56% | 3.59% | 3.46% | 3.51% | 3.47% | 3.36% | 3.39% | 3.60% | +9 bps | |
| Efficiency Ratio | 80.25% | 79.34% | 80.54% | 80.83% | 81.86% | 89.67% | 88.94% | 85.00% | +417 bps | |
| Non-Interest Burden | 2.93% | 2.93% | 2.87% | 2.92% | 2.94% | 3.15% | 3.15% | 3.17% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 3.19% | 4.02% | -1.22% | 2.41% | 1.30% | 5.07% | 9.08% | +1,030 bps | |
| Loan Growth (YoY) | 2.84% | 2.44% | -1.14% | -1.34% | -1.09% | 6.34% | 15.15% | 12.10% | +1,344 bps | |
| Deposit Growth (YoY) | -0.60% | -0.35% | -2.02% | -3.78% | -1.11% | -1.75% | 2.24% | 5.81% | +958 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.11% | 0.27% | 0.40% | 0.43% | -0.04% | 0.01% | 0.06% | -34 bps | |
| Allowance / Loans | 1.68% | 1.67% | 1.62% | 1.42% | 1.27% | 1.21% | 1.14% | 1.11% | -32 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 10.58% | 10.59% | 10.98% | 10.94% | 10.58% | 10.49% | 10.55% | -43 bps | |
| Total Risk-Based Capital | 18.02% | 18.58% | 17.63% | 18.36% | 17.03% | 16.00% | 15.24% | 14.93% | -343 bps | |
| Equity / Assets | 11.04% | 10.94% | 10.81% | 11.38% | 11.01% | 10.97% | 10.78% | 10.93% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.34% | 75.82% | 73.92% | 78.30% | 78.36% | 82.06% | 83.25% | 82.96% | +466 bps | |
| Liquid Assets / Assets | 3.26% | 5.63% | 5.90% | 2.36% | 6.40% | 3.13% | 4.54% | 5.60% | +324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |