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National City Bank Northwest

Toledo, OH · Cert 10276

FDIC

Q3 1997

$1.6BAssets
$1.3BLoans
$954.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.59%, down 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 140.53% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.59%-11 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.73%1.76%1.72%1.70%1.63%1.68%1.49%1.59%-11 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)12.66%10.63%7.50%6.90%2.37%4.74%5.62%3.14%-376 bps
Loan Growth (YoY)13.27%11.74%8.16%5.58%4.50%6.03%6.74%6.86%+128 bps
Deposit Growth (YoY)8.64%2.96%4.26%3.67%-0.28%0.02%0.55%-3.10%-678 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 / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
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 Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits120.87%125.47%126.19%127.43%126.67%133.01%133.95%140.53%+1,310 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a