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Ohio River Bank

Ironton, OH · Cert 34017

FDIC

Q2 2012

$107.1MAssets
$60.4MLoans
$90.8MDeposits
$8.9MEquity
Loan mix
85%RE $41.6M9%C&I $4.6M6%Consumer $2.9MQ2 2011Q2 2012
Deposit mix
86%Interest-bearing $78.0M14%Noninterest $12.8MQ2 2011Q2 2012

NIM

4.84%Q2 ’104.46%Q2 ’114.24%Q2 ’12-4%-3%

Non-interest income vs. expense

2.58%Q2 ’102.72%Q2 ’112.38%Q2 ’12+10%-18%

Executive Summary

  • Earnings: ROA of 1.28%, up 175 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.43%.
  • Funding: loans stand at 66.50% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

1.28%+175 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-11 bps YoY

Efficiency Ratio (quarter, annualized)

53.61%-664 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.46%0.99%1.41%1.01%1.28%+175 bps
Return on Equity-5.60%11.29%15.47%11.23%15.00%+2,059 bps
Net Interest Margin3.89%4.17%4.03%3.94%3.78%-11 bps
Efficiency Ratio60.25%66.81%52.05%54.50%53.61%-664 bps
Non-Interest Burden2.10%2.52%1.74%1.87%1.72%-38 bps
Growth
Asset Growth (YoY)5.06%2.71%-0.08%0.12%9.83%+478 bps
Loan Growth (YoY)7.16%-1.71%-2.90%-2.55%0.20%-696 bps
Deposit Growth (YoY)5.87%2.09%2.26%0.22%13.22%+736 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.29%3.92%0.15%0.43%+41 bps
Allowance / Loans2.05%2.04%1.12%1.30%1.23%-83 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.30%16.97%17.10%17.05%16.53%+22 bps
Equity / Assets8.47%9.14%9.09%8.88%8.27%-20 bps
Liquidity & Funding
Loans / Deposits75.15%77.63%76.31%73.55%66.50%-865 bps
Liquid Assets / Assets0.26%0.83%0.14%0.22%0.27%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a