Belpre, OH · Cert 30744
FDIC · 2 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Belpre, OH · Cert 30744
FDIC · 2 branches
Q4 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.55% | -1.91% | -1.62% | -0.10% | -0.14% | -0.34% | -0.29% | -0.22% | -12 bps | |
| Return on Equity | -16.50% | -12.52% | -10.57% | -0.70% | -1.14% | -2.64% | -2.23% | -1.66% | -96 bps | |
| Net Interest Margin | 2.64% | 2.53% | 2.52% | 0.44% | 3.91% | 3.64% | 3.88% | 3.84% | +340 bps | |
| Efficiency Ratio | 212% | 189.95% | 183.32% | 132.67% | 102.27% | 105.60% | 103.90% | 97.31% | -3,536 bps | |
| Non-Interest Burden | 5.68% | 4.90% | 4.70% | 0.57% | 3.91% | 3.79% | 3.89% | 3.59% | +302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.32% | -2.51% | -5.65% | -7.84% | -6.02% | -6.58% | -1.31% | 2.78% | +1,063 bps | |
| Loan Growth (YoY) | -13.93% | -18.69% | -20.56% | -24.26% | -20.94% | -16.55% | -11.52% | 0.18% | +2,444 bps | |
| Deposit Growth (YoY) | -1.92% | -1.64% | -0.36% | -0.82% | 0.95% | -3.14% | -6.72% | -4.23% | -341 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 2.79% | 2.05% | 2.26% | 2.30% | +230 bps | |
| Net Charge-Offs / Loans | 0.67% | 0.54% | 0.53% | 0.01% | 0.00% | -0.03% | -0.01% | -0.01% | -2 bps | |
| Allowance / Loans | 1.56% | 1.57% | 1.53% | 0.00% | 0.08% | 0.18% | 0.25% | 0.30% | +30 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.0x | 0.1x | 0.1x | 0.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.21% | 14.87% | 14.98% | 7.51% | 7.59% | 10.16% | 8.91% | 8.77% | +126 bps | |
| Total Risk-Based Capital | 28.26% | 28.96% | 30.17% | 13.97% | 14.23% | 22.42% | 18.85% | 18.71% | +474 bps | |
| Equity / Assets | 15.19% | 14.90% | 15.34% | 12.09% | 11.89% | 14.47% | 14.27% | 13.99% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.56% | 85.73% | 82.03% | 74.02% | 71.71% | 73.86% | 77.81% | 77.43% | +341 bps | |
| Liquid Assets / Assets | 18.43% | 24.67% | 22.92% | 23.37% | 25.19% | 13.17% | 2.64% | 4.44% | -1,893 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |