Delaware, OH · Cert 16940
FDIC · 15 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Delaware, OH · Cert 16940
FDIC · 15 branches
Q1 2017
Market Position · Columbus, OH · 2016 SOD (annual) · 0.7% share · #15 of 58 inst. · $0.5B of $63.7B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 2.89% | 2.22% | 0.08% | 0.17% | 0.01% | -0.10% | -2.34% | -241 bps | |
| Return on Equity | 1.79% | 31.26% | 23.28% | 0.71% | 1.63% | 0.11% | -0.98% | -23.35% | -2,406 bps | |
| Net Interest Margin | 3.15% | 3.19% | 3.16% | 3.06% | 3.11% | 3.09% | 3.12% | 2.91% | -15 bps | |
| Efficiency Ratio | 94.70% | 94.80% | 94.39% | 99.96% | 96.15% | 101.03% | 106.01% | 190.17% | +9,021 bps | |
| Non-Interest Burden | 2.93% | 2.93% | 2.91% | 3.03% | 2.89% | 3.08% | 3.31% | 6.53% | +350 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.24% | 8.23% | 4.95% | 6.09% | 2.64% | 4.35% | 1.62% | -0.05% | -614 bps | |
| Loan Growth (YoY) | 6.85% | 2.88% | -1.80% | 3.81% | 3.76% | 2.95% | 2.59% | -0.11% | -393 bps | |
| Deposit Growth (YoY) | 7.87% | 6.54% | 4.67% | -0.55% | -0.65% | 3.12% | 0.50% | 4.74% | +530 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.81% | +81 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | -0.03% | 0.00% | -0.13% | -0.09% | -0.07% | -0.14% | -13 bps | |
| Allowance / Loans | 1.09% | 1.11% | 1.14% | 1.11% | 1.16% | 1.17% | 1.12% | 1.15% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.4x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.63% | 9.18% | 9.11% | 8.97% | 9.02% | 8.84% | 8.56% | 7.75% | -122 bps | |
| Total Risk-Based Capital | 13.83% | 14.23% | 14.29% | 13.75% | 13.70% | 13.44% | 13.34% | 12.26% | -150 bps | |
| Equity / Assets | 8.53% | 10.59% | 10.64% | 10.49% | 10.55% | 10.28% | 10.28% | 9.73% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.00% | 79.87% | 79.55% | 84.50% | 84.60% | 79.73% | 81.21% | 80.58% | -392 bps | |
| Liquid Assets / Assets | 6.69% | 4.73% | 3.97% | 3.55% | 2.67% | 3.79% | 2.85% | 2.75% | -81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |