Napoleon, OH · Cert 15384
FDIC · 7 branches
Q2 2022
Market Position · Toledo, OH · 2022 SOD (annual) · 0.1% share · #27 of 27 inst. · $0.0B of $16.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.65% | 0.58% | 0.55% | 0.53% | 0.54% | 0.48% | -0.34% | -89 bps | |
| Return on Equity | 6.32% | 6.36% | 5.78% | 5.59% | 5.41% | 5.49% | 5.34% | -4.20% | -978 bps | |
| Net Interest Margin | 2.78% | 2.74% | 2.48% | 2.51% | 2.54% | 2.61% | 2.66% | 2.93% | +42 bps | |
| Efficiency Ratio | 75.84% | 74.83% | 77.05% | 77.74% | 78.62% | 78.98% | 80.15% | 116.52% | +3,878 bps | |
| Non-Interest Burden | 2.02% | 1.93% | 1.83% | 1.87% | 1.93% | 1.99% | 2.08% | 3.41% | +154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.26% | 10.13% | 12.18% | 7.29% | 4.04% | 4.24% | -1.69% | -5.48% | -1,277 bps | |
| Loan Growth (YoY) | 18.82% | 17.33% | 15.63% | 6.55% | 7.03% | 7.04% | 5.25% | 12.30% | +575 bps | |
| Deposit Growth (YoY) | 9.88% | 13.48% | 16.61% | 9.42% | 6.66% | 5.69% | 0.32% | -3.34% | -1,276 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.64% | 0.58% | 0.55% | 0.55% | 0.50% | 0.76% | 0.25% | -30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | -0.05% | -0.04% | -0.06% | -0.11% | 0.64% | +69 bps | |
| Allowance / Loans | 1.04% | 1.16% | 1.12% | 1.17% | 1.12% | 1.14% | 1.15% | 0.76% | -42 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.8x | 1.9x | 2.1x | 2.0x | 2.3x | 1.5x | 3.0x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.53% | 9.54% | 9.21% | 9.26% | 9.38% | 9.45% | 9.18% | 8.56% | -71 bps | |
| Total Risk-Based Capital | 9.53% | 9.54% | 9.21% | 9.26% | 9.38% | 9.45% | 9.18% | 8.56% | -71 bps | |
| Equity / Assets | 10.23% | 10.31% | 9.63% | 9.61% | 9.94% | 9.73% | 8.27% | 6.54% | -307 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.46% | 59.89% | 57.14% | 55.72% | 59.67% | 60.65% | 59.94% | 64.74% | +902 bps | |
| Liquid Assets / Assets | 3.92% | 3.59% | 5.46% | 3.57% | 2.28% | 4.09% | 3.82% | 0.60% | -296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |