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Benchmark Bank

Gahanna, OH · Cert 57949

FDIC · 2 branches

Q2 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: Q2 2017, the quarter ended June 30, 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

Benchmark Bank

Gahanna, OH · Cert 57949

FDIC · 2 branches

Q2 2017

$124.4MAssets
$105.7MLoans
$98.6MDeposits
$17.2MEquity
Loan mix
96%RE $89.2M4%C&I $3.5M0%Consumer $0.0MQ2 2016Q2 2017
Deposit mix
93%Interest-bearing $92.0M7%Noninterest $6.6MQ2 2016Q2 2017

NIM

4.69%Q2 ’154.81%Q2 ’165.17%Q2 ’17+5%+5%

Non-interest income vs. expense

7.36%Q2 ’158.46%Q2 ’167.90%Q2 ’17+1%+2%

Market Position · Columbus, OH · 2017 SOD (annual) · 0.2% share · #26 of 53 inst. · $0.1B of $65.7B

Executive Summary

  • Earnings: ROA of 0.59%, down 44 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.33% of loans (+33 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.90%, up 181 bps from a year ago.
  • Funding: loans stand at 107.18% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.59%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.58%+22 bps YoY

Efficiency Ratio (YTD, annualized)

90.75%-94 bps YoY

Tier 1 Leverage Ratio

11.90%+181 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.03%5.12%4.04%0.60%0.59%-44 bps
Return on Equity10.62%49.48%37.33%4.70%4.52%-611 bps
Net Interest Margin4.35%4.13%4.14%4.47%4.58%+22 bps
Efficiency Ratio91.69%90.00%89.48%90.42%90.75%-94 bps
Non-Interest Burden3.58%3.13%3.11%3.53%3.66%+8 bps
Growth
Asset Growth (YoY)-1.02%7.27%8.18%8.46%-1.27%-25 bps
Loan Growth (YoY)-0.56%6.14%7.51%5.69%-2.96%-241 bps
Deposit Growth (YoY)-5.99%2.95%-0.17%0.29%-6.10%-11 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.37%0.33%+33 bps
Net Charge-Offs / Loans0.03%0.04%0.06%0.14%0.01%-2 bps
Allowance / Loans1.21%1.15%1.08%1.01%1.03%-18 bps
Allowance Coverage of NPLsn/an/an/a2.7x3.1xn/a
Capital
Tier 1 Leverage Ratio10.09%10.33%10.59%11.45%11.90%+181 bps
Total Risk-Based Capital13.39%14.68%15.87%15.71%16.89%+350 bps
Equity / Assets9.73%12.02%12.66%13.00%13.79%+406 bps
Liquidity & Funding
Loans / Deposits103.72%96.33%99.94%103.84%107.18%+346 bps
Liquid Assets / Assets7.15%8.34%9.38%8.76%7.20%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a