Logan, OH · Cert 18418
FDIC · 3 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Logan, OH · Cert 18418
FDIC · 3 branches
Q1 2019
Market Position · Columbus, OH · 2018 SOD (annual) · 0.2% share · #24 of 52 inst. · $0.2B of $67.2B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.74% | 0.31% | 0.86% | 0.86% | 0.99% | 0.98% | 1.07% | +21 bps | |
| Return on Equity | 7.45% | 7.77% | 3.32% | 9.20% | 9.29% | 10.61% | 10.44% | 11.21% | +200 bps | |
| Net Interest Margin | 3.94% | 3.85% | 3.85% | 3.89% | 3.81% | 3.82% | 3.81% | 3.93% | +4 bps | |
| Efficiency Ratio | 77.48% | 76.90% | 79.20% | 75.84% | 75.64% | 72.51% | 72.67% | 69.27% | -657 bps | |
| Non-Interest Burden | 2.89% | 2.81% | 2.92% | 2.81% | 2.74% | 2.61% | 2.62% | 2.58% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.44% | 7.10% | 6.98% | 4.22% | 5.93% | 4.37% | 6.45% | 7.01% | +279 bps | |
| Loan Growth (YoY) | 9.09% | 8.35% | 8.49% | 7.02% | 7.36% | 9.93% | 10.46% | 7.33% | +31 bps | |
| Deposit Growth (YoY) | 5.08% | 8.09% | 9.30% | 4.11% | 6.05% | 4.17% | 5.56% | 6.76% | +265 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.45% | 0.60% | 0.93% | 0.53% | 0.54% | 0.39% | 0.34% | -58 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.17% | 0.14% | -0.08% | -0.03% | -0.07% | 0.01% | 0.11% | +19 bps | |
| Allowance / Loans | 1.05% | 1.01% | 0.96% | 0.98% | 0.95% | 0.96% | 0.86% | 0.86% | -12 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.3x | 1.6x | 1.1x | 1.8x | 1.8x | 2.2x | 2.5x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.66% | 8.72% | 8.78% | 9.18% | 9.14% | 9.27% | 9.14% | 9.51% | +33 bps | |
| Total Risk-Based Capital | 12.57% | 12.55% | 12.55% | 12.82% | 12.97% | 13.18% | 12.84% | 13.51% | +69 bps | |
| Equity / Assets | 9.50% | 9.45% | 9.22% | 9.42% | 9.25% | 9.45% | 9.38% | 9.72% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.01% | 94.75% | 97.87% | 98.81% | 97.20% | 99.99% | 102.42% | 99.33% | +53 bps | |
| Liquid Assets / Assets | 3.19% | 5.03% | 1.61% | 1.56% | 3.55% | 1.88% | 0.20% | 2.61% | +105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |