Saint Bernard, OH · Cert 26263
FDIC · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Saint Bernard, OH · Cert 26263
FDIC · 2 branches
Q2 2016
Market Position · Cincinnati, OH-KY-IN · 2016 SOD (annual) · 0.0% share · #51 of 67 inst. · $0.0B of $106.8B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.58% | 0.39% | 0.74% | 0.74% | 0.80% | -0.12% | -0.65% | -139 bps | |
| Return on Equity | 3.09% | 2.86% | 1.91% | 3.63% | 3.64% | 3.88% | -0.59% | -3.12% | -675 bps | |
| Net Interest Margin | 3.23% | 3.19% | 3.16% | 3.11% | 3.16% | 3.18% | 3.00% | 3.09% | -2 bps | |
| Efficiency Ratio | 83.87% | 84.76% | 89.04% | 80.59% | 80.43% | 79.12% | 103.41% | 116.65% | +3,606 bps | |
| Non-Interest Burden | 2.60% | 2.61% | 2.76% | 2.38% | 2.42% | 2.37% | 3.13% | 3.75% | +137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.91% | -5.42% | 0.00% | 2.79% | -0.98% | 0.64% | -1.55% | -4.07% | -686 bps | |
| Loan Growth (YoY) | -0.65% | 1.08% | -0.13% | 4.15% | 1.68% | -5.53% | -6.04% | -12.43% | -1,657 bps | |
| Deposit Growth (YoY) | -5.28% | -7.08% | -0.08% | 3.18% | -1.47% | 0.48% | -2.17% | -4.85% | -803 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 | -0.02% | -0.02% | -0.04% | -0.03% | -0.03% | -0.03% | -0.05% | -0.05% | -2 bps | |
| Allowance / Loans | 1.20% | 1.18% | 1.22% | 1.17% | 1.21% | 1.27% | 1.34% | 1.38% | +20 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 | 19.87% | 20.12% | 20.39% | 20.72% | 20.77% | 20.82% | +70 bps | |
| Total Risk-Based Capital | 35.03% | 37.06% | 37.11% | 37.39% | 38.52% | 40.91% | 42.91% | 43.12% | +573 bps | |
| Equity / Assets | 20.22% | 20.59% | 20.16% | 20.33% | 20.66% | 20.81% | 20.72% | 20.98% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.84% | 86.71% | 81.40% | 85.47% | 85.49% | 81.52% | 78.17% | 78.67% | -681 bps | |
| Liquid Assets / Assets | 11.86% | 12.73% | 17.71% | 18.15% | 18.63% | 23.03% | 25.84% | 25.94% | +779 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |