Ashville, OH · Cert 13223
FDIC · 4 branches
Q3 2014
Market Position · Columbus, OH · 2014 SOD (annual) · 0.2% share · #30 of 60 inst. · $0.1B of $53.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 2.68% | 0.44% | 0.25% | 0.00% | -44 bps | |
| Return on Equity | 5.84% | 33.05% | 5.26% | 2.98% | 0.05% | -579 bps | |
| Net Interest Margin | 3.28% | 3.28% | 3.19% | 3.26% | 3.36% | +7 bps | |
| Efficiency Ratio | 87.70% | 95.95% | 83.75% | 82.31% | 90.20% | +249 bps | |
| Non-Interest Burden | 2.81% | 3.13% | 2.53% | 2.57% | 2.97% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.25% | -0.12% | -0.29% | 1.93% | 3.87% | +511 bps | |
| Loan Growth (YoY) | -2.66% | -1.20% | 5.13% | 5.36% | 5.75% | +841 bps | |
| Deposit Growth (YoY) | -1.12% | -0.81% | -1.06% | 2.01% | 4.48% | +560 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.48% | -0.01% | 0.01% | 0.06% | -4 bps | |
| Allowance / Loans | 1.65% | 1.56% | 1.53% | 1.50% | 1.50% | -15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.81% | 15.55% | 14.96% | 15.64% | 15.28% | +47 bps | |
| Equity / Assets | 7.60% | 8.63% | 8.29% | 8.58% | 8.44% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.71% | 68.95% | 67.51% | 70.42% | 68.54% | +83 bps | |
| Liquid Assets / Assets | 11.00% | 11.43% | 14.08% | 14.22% | 12.23% | +123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |