West Union, OH · Cert 32304
FDIC · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
West Union, OH · Cert 32304
FDIC · 2 branches
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.95% | 0.72% | 0.57% | 0.42% | 0.47% | 0.44% | 0.84% | +27 bps | |
| Return on Equity | 4.23% | 5.25% | 3.96% | 3.09% | 2.28% | 2.51% | 2.34% | 4.18% | +110 bps | |
| Net Interest Margin | 3.44% | 3.51% | 3.52% | 3.63% | 3.78% | 3.77% | 3.88% | 4.03% | +41 bps | |
| Efficiency Ratio | 93.22% | 84.59% | 86.07% | 84.79% | 85.43% | 84.01% | 84.94% | 79.28% | -551 bps | |
| Non-Interest Burden | 3.19% | 2.93% | 3.01% | 3.05% | 3.21% | 3.14% | 3.28% | 3.18% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.47% | 0.83% | -3.06% | -4.35% | -5.66% | -6.70% | -5.59% | -6.09% | -174 bps | |
| Loan Growth (YoY) | 7.66% | 10.83% | 10.09% | 11.21% | 6.46% | 2.63% | 2.28% | 1.96% | -925 bps | |
| Deposit Growth (YoY) | 0.06% | -0.28% | -3.88% | -5.17% | -6.28% | -7.53% | -7.38% | -8.28% | -311 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 5.27% | 6.50% | 7.35% | 4.33% | 4.13% | -113 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.03% | 0.00% | 0 bps | |
| Allowance / Loans | 1.48% | 1.45% | 1.41% | 1.40% | 1.39% | 1.37% | 1.35% | 1.34% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.3x | 0.2x | 0.2x | 0.3x | 0.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.60% | 17.84% | 18.18% | 18.79% | 19.00% | 19.15% | 19.59% | 20.47% | +168 bps | |
| Total Risk-Based Capital | 26.71% | 26.88% | 26.90% | 27.23% | 38.54% | 39.14% | 40.08% | 40.49% | +1,327 bps | |
| Equity / Assets | 18.33% | 18.60% | 18.19% | 18.72% | 18.87% | 19.28% | 19.73% | 20.60% | +189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.35% | 70.36% | 74.22% | 76.72% | 77.64% | 78.10% | 81.96% | 85.29% | +857 bps | |
| Liquid Assets / Assets | 11.31% | 13.10% | 12.78% | 12.09% | 12.28% | 12.46% | 9.88% | 9.83% | -227 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |