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Adams County Building and Loan Company, The

West Union, OH · Cert 32304

FDIC · 2 branches

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

Adams County Building and Loan Company, The

West Union, OH · Cert 32304

FDIC · 2 branches

Q1 2018

$21.6MAssets
$14.6MLoans
$17.1MDeposits
$4.4MEquity
Deposit mix
100%Interest-bearing $17.1M0%Noninterest $0.0MQ1 2017Q1 2018

NIM

3.82%Q1 ’164.19%Q1 ’174.58%Q1 ’18+12%+11%

Non-interest income vs. expense

3.38%Q1 ’163.17%Q1 ’173.24%Q1 ’18-8%+4%

Executive Summary

  • Earnings: ROA of 0.84%, up 27 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 4.13% of loans (-113 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.47%, up 168 bps from a year ago.
  • Funding: loans stand at 85.29% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.84%+27 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+41 bps YoY

Efficiency Ratio (YTD, annualized)

79.28%-551 bps YoY

Tier 1 Leverage Ratio

20.47%+168 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.57%0.42%0.47%0.44%0.84%+27 bps
Return on Equity3.09%2.28%2.51%2.34%4.18%+110 bps
Net Interest Margin3.63%3.78%3.77%3.88%4.03%+41 bps
Efficiency Ratio84.79%85.43%84.01%84.94%79.28%-551 bps
Non-Interest Burden3.05%3.21%3.14%3.28%3.18%+13 bps
Growth
Asset Growth (YoY)-4.35%-5.66%-6.70%-5.59%-6.09%-174 bps
Loan Growth (YoY)11.21%6.46%2.63%2.28%1.96%-925 bps
Deposit Growth (YoY)-5.17%-6.28%-7.53%-7.38%-8.28%-311 bps
Asset Quality
Nonperforming Loans / Loans5.27%6.50%7.35%4.33%4.13%-113 bps
Net Charge-Offs / Loans0.00%0.00%0.05%0.03%0.00%0 bps
Allowance / Loans1.40%1.39%1.37%1.35%1.34%-6 bps
Allowance Coverage of NPLs0.3x0.2x0.2x0.3x0.3x+0.1x
Capital
Tier 1 Leverage Ratio18.79%19.00%19.15%19.59%20.47%+168 bps
Total Risk-Based Capital27.23%38.54%39.14%40.08%40.49%+1,327 bps
Equity / Assets18.72%18.87%19.28%19.73%20.60%+189 bps
Liquidity & Funding
Loans / Deposits76.72%77.64%78.10%81.96%85.29%+857 bps
Liquid Assets / Assets12.09%12.28%12.46%9.88%9.83%-227 bps
CRE / Total Capitaln/an/an/an/an/an/an/a