West Union, OH · Cert 32304
FDIC · 2 branches
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.28% | 0.56% | 0.36% | 0.84% | +27 bps | |
| Return on Equity | 3.09% | 1.48% | 2.95% | 1.84% | 4.18% | +110 bps | |
| Net Interest Margin | 3.63% | 3.90% | 3.73% | 3.99% | 4.03% | +41 bps | |
| Efficiency Ratio | 84.79% | 86.03% | 81.11% | 87.67% | 79.28% | -551 bps | |
| Non-Interest Burden | 3.05% | 3.34% | 3.01% | 3.49% | 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 / Loans | 5.27% | 6.50% | 7.35% | 4.33% | 4.13% | -113 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.14% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.40% | 1.39% | 1.37% | 1.35% | 1.34% | -6 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.2x | 0.2x | 0.3x | 0.3x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.79% | 19.00% | 19.15% | 19.59% | 20.47% | +168 bps | |
| Total Risk-Based Capital | 27.23% | 38.54% | 39.14% | 40.08% | 40.49% | +1,327 bps | |
| Equity / Assets | 18.72% | 18.87% | 19.28% | 19.73% | 20.60% | +189 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.72% | 77.64% | 78.10% | 81.96% | 85.29% | +857 bps | |
| Liquid Assets / Assets | 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 |