PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Ohio County, Inc.

Dundee, KY · Cert 9304

FDIC · 2 branches

Q1 2016

$82.7MAssets
$34.9MLoans
$73.8MDeposits
$8.8MEquity
Loan mix
83%RE $16.6M11%C&I $2.2M6%Consumer $1.2MQ2 2014Q1 2016
Deposit mix
85%Interest-bearing $63.0M15%Noninterest $10.7MQ2 2014Q1 2016

Executive Summary

  • Earnings: ROA of 0.13%, down 117 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 9.64%, down 1,216 bps from a year ago.
  • Funding: loans stand at 47.27% of deposits as of Q1 2016.

Return on Assets (quarter, annualized)

0.13%-117 bps YoY

Net Interest Margin (quarter, annualized)

2.86%-23 bps YoY

Efficiency Ratio (quarter, annualized)

92.75%+3,093 bps YoY

Tier 1 Leverage Ratio

9.64%-1,216 bps YoY

NIM

4.05%Q1 ’143.40%Q1 ’153.18%Q1 ’16-17%-7%

Non-interest income vs. expense

2.28%Q1 ’142.15%Q1 ’153.04%Q1 ’16-2%+49%

Discrete quarter, annualized.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets2.00%1.66%2.92%11.30%1.57%1.47%-2.73%0.13%-117 bps
Return on Equity9.59%7.67%13.52%6.08%7.38%6.83%-13.00%0.84%-524 bps
Net Interest Margin3.63%3.64%3.17%3.08%3.18%3.16%2.74%2.86%-23 bps
Efficiency Ratio50.92%55.56%69.30%61.82%56.02%61.02%70.50%92.75%+3,093 bps
Non-Interest Burden1.62%1.85%2.07%1.76%1.60%1.76%1.80%2.62%+86 bps
Growth
Asset Growth (YoY)1.92%1.92%3.01%3.95%5.86%4.17%1.04%-13.28%-1,723 bps
Loan Growth (YoY)-5.84%-3.10%-0.22%-1.92%1.22%2.07%-0.31%-6.49%-457 bps
Deposit Growth (YoY)-0.36%-0.24%0.65%2.33%6.26%3.99%3.17%-0.82%-315 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 / Loans0.00%2.01%1.62%0.12%-0.40%-0.07%9.69%0.28%+16 bps
Allowance / Loans1.17%0.74%0.88%0.82%0.90%0.91%0.94%0.98%+15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a21.80%21.24%21.80%19.66%9.64%-1,216 bps
Total Risk-Based Capital35.05%35.57%41.09%41.11%39.96%41.67%39.47%20.52%-2,059 bps
Equity / Assets21.43%21.80%21.34%21.46%21.13%21.90%20.08%10.61%-1,085 bps
Liquidity & Funding
Loans / Deposits53.37%53.51%49.63%50.14%50.84%52.52%47.95%47.27%-287 bps
Liquid Assets / Assets4.14%4.68%5.88%6.55%7.55%6.87%13.21%13.89%+734 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a