Columbus, OH · Cert 17520
FDIC · 4 branches
Q3 2015
Market Position · Columbus, OH · 2015 SOD (annual) · 0.1% share · #29 of 57 inst. · $0.1B of $58.5B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.63% | 1.83% | 1.34% | 1.42% | 0.27% | 0.33% | -0.27% | -161 bps | |
| Return on Equity | 5.52% | 5.81% | 16.23% | 11.67% | 12.19% | 2.21% | 2.69% | -2.22% | -1,388 bps | |
| Net Interest Margin | 3.66% | 3.83% | 3.69% | 3.61% | 3.51% | 3.25% | 3.24% | 3.23% | -38 bps | |
| Efficiency Ratio | 85.10% | 86.56% | 94.57% | 103.49% | 99.78% | 92.50% | 91.14% | 107.56% | +407 bps | |
| Non-Interest Burden | 3.09% | 3.27% | 3.47% | 3.75% | 3.50% | 2.98% | 2.92% | 3.50% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.56% | -5.22% | -3.87% | -3.59% | -0.46% | 1.28% | 0.72% | 4.18% | +778 bps | |
| Loan Growth (YoY) | -7.90% | -6.86% | -4.64% | -4.48% | -5.39% | -4.45% | 1.08% | 1.78% | +627 bps | |
| Deposit Growth (YoY) | -3.53% | -5.78% | -6.16% | -5.78% | -2.92% | -0.13% | 1.19% | 5.19% | +1,097 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.01% | 0.00% | 0.10% | 0.30% | 0.00% | 0.09% | 0.08% | -2 bps | |
| Allowance / Loans | 2.98% | 3.04% | 3.12% | 2.61% | 1.88% | 1.90% | 1.80% | 1.80% | -81 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | 11.91% | 12.03% | 11.62% | n/a | |
| Total Risk-Based Capital | 18.80% | 19.39% | 21.24% | 21.19% | 21.53% | 21.55% | 21.31% | 21.00% | -19 bps | |
| Equity / Assets | 10.45% | 11.13% | 12.33% | 12.04% | 12.15% | 12.26% | 12.14% | 11.65% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.27% | 72.79% | 72.77% | 71.39% | 70.44% | 69.64% | 72.69% | 69.08% | -231 bps | |
| Liquid Assets / Assets | 5.69% | 9.63% | 9.91% | 10.11% | 8.73% | 7.92% | 5.79% | 9.73% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |