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First National Bank of Odon, The

Odon, IN · Cert 4405

FDIC · 2 branches

Q4 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: Q4 2017, the quarter ended December 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

First National Bank of Odon, The

Odon, IN · Cert 4405

FDIC · 2 branches

Q4 2017

$106.0MAssets
$35.3MLoans
$97.9MDeposits
$7.7MEquity
Loan mix
77%RE $23.5M14%C&I $4.1M9%Consumer $2.8MQ4 2016Q4 2017
Deposit mix
39%Interest-bearing $38.2M61%Noninterest $59.7MQ4 2016Q4 2017

NIM

2.82%Q4 ’152.78%Q4 ’162.78%Q4 ’17-2%0%

Non-interest income vs. expense

2.74%Q4 ’152.61%Q4 ’162.58%Q4 ’17-6%+2%

Executive Summary

  • Earnings: ROA of 0.65%, down 2 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.07% of loans (+7 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 7.98%, down 4 bps from a year ago.
  • Funding: loans stand at 36.06% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.65%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-1 bps YoY

Efficiency Ratio (YTD, annualized)

75.03%+81 bps YoY

Tier 1 Leverage Ratio

7.98%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.67%0.77%0.77%0.75%0.65%-2 bps
Return on Equity8.46%10.47%10.11%9.77%8.57%+11 bps
Net Interest Margin2.73%2.81%2.80%2.74%2.72%-1 bps
Efficiency Ratio74.22%69.71%69.67%70.76%75.03%+81 bps
Non-Interest Burden1.83%1.72%1.73%1.72%1.86%+3 bps
Growth
Asset Growth (YoY)6.37%7.78%7.09%8.86%9.72%+336 bps
Loan Growth (YoY)-2.55%2.85%6.25%1.71%2.89%+544 bps
Deposit Growth (YoY)7.07%8.04%9.20%9.61%9.77%+269 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.17%0.15%0.15%0.07%+7 bps
Net Charge-Offs / Loans0.01%-0.01%0.02%0.02%0.08%+8 bps
Allowance / Loans1.78%1.77%1.77%1.76%1.72%-6 bps
Allowance Coverage of NPLsn/a10.1x11.5x11.9x23.4xn/a
Capital
Tier 1 Leverage Ratio8.02%8.14%8.25%8.11%7.98%-4 bps
Total Risk-Based Capital17.76%17.46%17.97%18.81%18.53%+78 bps
Equity / Assets7.22%7.50%8.08%7.88%7.25%+3 bps
Liquidity & Funding
Loans / Deposits38.47%39.38%39.38%37.89%36.06%-241 bps
Liquid Assets / Assets13.41%10.89%11.06%17.99%21.28%+787 bps
CRE / Total Capitaln/an/an/an/an/an/an/a