Bainbridge, OH · Cert 16193
FDIC · 2 branches
Q2 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2023, the quarter ended June 30, 2023, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bainbridge, OH · Cert 16193
FDIC · 2 branches
Q2 2023
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.54% | -0.44% | -0.70% | -0.74% | -0.47% | 0.32% | 0.04% | +75 bps | |
| Return on Equity | 12.42% | 7.76% | -6.12% | -9.90% | -10.59% | -6.69% | 4.42% | 0.57% | +1,047 bps | |
| Net Interest Margin | 4.78% | 4.18% | 3.32% | 3.08% | 3.20% | 3.32% | 3.99% | 4.00% | +92 bps | |
| Efficiency Ratio | 81.30% | 86.90% | 112.10% | 120.86% | 119.09% | 110.78% | 92.07% | 98.13% | -2,273 bps | |
| Non-Interest Burden | 3.73% | 3.59% | 3.76% | 3.79% | 3.88% | 3.72% | 3.64% | 3.92% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.28% | 5.55% | -3.67% | 0.13% | -2.87% | -5.01% | -12.48% | -7.79% | -792 bps | |
| Loan Growth (YoY) | -15.66% | -15.10% | -20.19% | -17.43% | -7.05% | -1.91% | 1.26% | 2.60% | +2,003 bps | |
| Deposit Growth (YoY) | 9.64% | 9.97% | -1.77% | 2.95% | 1.33% | -4.57% | -7.82% | -2.08% | -502 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.55% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.63% | 0.51% | -1.68% | -0.85% | -0.55% | -0.42% | 0.00% | 0.00% | +85 bps | |
| Allowance / Loans | 0.61% | 0.65% | 1.09% | 1.10% | 1.07% | 1.08% | 1.21% | 1.21% | +11 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.42% | 7.13% | 7.12% | 6.99% | 6.70% | 6.70% | 6.96% | 7.55% | +56 bps | |
| Total Risk-Based Capital | 14.34% | 14.73% | 14.98% | 14.44% | 13.39% | 13.88% | 13.89% | 13.17% | -127 bps | |
| Equity / Assets | 7.12% | 7.12% | 7.23% | 7.02% | 6.52% | 6.85% | 7.57% | 7.16% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.23% | 69.10% | 69.50% | 69.31% | 69.01% | 71.02% | 76.35% | 72.62% | +331 bps | |
| Liquid Assets / Assets | 21.75% | 26.07% | 24.10% | 24.91% | 18.17% | 19.84% | 12.58% | 4.92% | -1,999 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |