Bainbridge, OH · Cert 16193
FDIC · 2 branches
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.56% | -0.41% | -0.44% | -0.98% | -0.81% | 0.37% | 0.32% | -0.24% | +73 bps | |
| Return on Equity | 21.95% | -5.69% | -6.12% | -13.74% | -12.00% | 5.55% | 4.42% | -3.32% | +1,042 bps | |
| Net Interest Margin | 5.21% | 2.78% | 3.32% | 2.79% | 3.38% | 3.82% | 3.99% | 3.64% | +85 bps | |
| Efficiency Ratio | 71.17% | 112.04% | 112.10% | 131.18% | 115.79% | 89.94% | 92.07% | 105.28% | -2,591 bps | |
| Non-Interest Burden | 3.53% | 3.18% | 3.76% | 3.77% | 3.97% | 3.40% | 3.64% | 3.85% | +9 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 | 0.54% | 0.00% | -1.68% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 |