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Arlington Bank, The

Upper Arlington, OH · Cert 34977

FDIC · 3 branches

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

Arlington Bank, The

Upper Arlington, OH · Cert 34977

FDIC · 3 branches

Q1 2017

$292.1MAssets
$231.4MLoans
$251.4MDeposits
$34.2MEquity
Loan mix
98%RE $177.4M2%C&I $3.2M1%Consumer $1.3MQ1 2016Q1 2017
Deposit mix
85%Interest-bearing $214.7M15%Noninterest $36.7MQ1 2016Q1 2017

NIM

4.00%Q1 ’154.17%Q1 ’164.02%Q1 ’17+4%-3%

Non-interest income vs. expense

3.02%Q1 ’153.09%Q1 ’163.25%Q1 ’17-3%+26%

Market Position · Columbus, OH · 2016 SOD (annual) · 0.4% share · #21 of 58 inst. · $0.3B of $63.7B

Executive Summary

  • Earnings: ROA of 0.79%, down 38 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.85% of loans (+85 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.60%, up 26 bps from a year ago.
  • Funding: loans stand at 92.06% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.79%-38 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-9 bps YoY

Efficiency Ratio (YTD, annualized)

72.78%+953 bps YoY

Tier 1 Leverage Ratio

11.60%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets1.17%1.29%1.39%1.39%0.79%-38 bps
Return on Equity10.57%11.54%12.36%12.40%7.03%-354 bps
Net Interest Margin3.69%3.63%3.73%3.64%3.60%-9 bps
Efficiency Ratio63.25%61.90%60.46%60.24%72.78%+953 bps
Non-Interest Burden1.90%1.71%1.63%1.59%2.38%+49 bps
Growth
Asset Growth (YoY)6.68%6.61%7.40%8.03%-1.42%-810 bps
Loan Growth (YoY)4.05%1.50%0.28%-1.76%-4.06%-811 bps
Deposit Growth (YoY)7.29%11.77%8.07%8.73%-0.63%-791 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.85%+85 bps
Net Charge-Offs / Loans0.02%0.00%0.01%0.01%0.04%+2 bps
Allowance / Loans1.37%1.36%1.36%1.40%1.42%+4 bps
Allowance Coverage of NPLsn/an/an/an/a1.7xn/an/a
Capital
Tier 1 Leverage Ratio11.35%11.28%11.73%11.04%11.60%+26 bps
Total Risk-Based Capital17.94%17.97%17.79%17.32%17.67%-27 bps
Equity / Assets11.07%11.35%11.47%10.84%11.70%+63 bps
Liquidity & Funding
Loans / Deposits95.35%96.07%93.83%88.91%92.06%-329 bps
Liquid Assets / Assets13.76%11.68%10.80%15.14%11.74%-201 bps
CRE / Total Capitaln/an/an/an/an/an/an/a