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Eaton National Bank and Trust Company

Eaton, OH · Cert 6579

FDIC

Q4 2013

$182.9MAssets
$131.7MLoans
$164.4MDeposits
$17.6MEquity
Loan mix
77%RE $80.0M14%C&I $14.3M9%Consumer $9.8MQ1 2012Q4 2013
Deposit mix
83%Interest-bearing $135.8M17%Noninterest $28.6MQ1 2012Q4 2013

Executive Summary

  • Earnings: ROA of 0.45%, down 19 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.87%.
  • Funding: loans stand at 80.16% of deposits as of Q4 2013.

Return on Assets (quarter, annualized)

0.45%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.27%-2 bps YoY

Efficiency Ratio (quarter, annualized)

74.45%+295 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.61%Q4 ’114.02%Q4 ’123.93%Q4 ’13-12%-1%

Non-interest income vs. expense

2.86%Q4 ’112.96%Q4 ’122.98%Q4 ’13-10%+6%

Discrete quarter, annualized.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.29%0.56%0.59%0.64%0.59%0.62%0.50%0.45%-19 bps
Return on Equity-2.96%5.81%6.04%6.66%6.26%6.55%5.39%4.81%-185 bps
Net Interest Margin3.38%3.41%3.31%3.29%3.19%3.27%3.32%3.27%-2 bps
Efficiency Ratio73.54%69.78%69.45%71.50%75.21%75.53%75.81%74.45%+295 bps
Non-Interest Burden2.35%2.17%2.07%2.11%2.24%2.30%2.34%2.25%+14 bps
Growth
Asset Growth (YoY)2.24%3.82%2.00%3.65%0.28%-0.56%1.10%-3.44%-709 bps
Loan Growth (YoY)-4.14%-3.60%-7.61%-3.57%0.30%2.80%10.08%2.19%+576 bps
Deposit Growth (YoY)2.39%4.39%2.56%4.50%0.57%-0.18%-0.57%-3.52%-801 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.45%0.31%0.69%0.30%0.32%0.52%1.59%0.87%+56 bps
Allowance / Loans1.49%1.58%1.61%1.62%1.62%1.50%1.18%1.19%-43 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital16.14%16.17%16.74%15.42%15.65%15.34%14.85%15.16%-26 bps
Equity / Assets9.53%9.64%9.76%9.41%9.38%9.45%9.23%9.63%+22 bps
Liquidity & Funding
Loans / Deposits75.00%76.17%74.14%75.68%74.80%78.45%82.09%80.16%+447 bps
Liquid Assets / Assets19.05%18.66%20.05%14.21%15.51%13.02%11.76%11.85%-235 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a