Lancaster, OH · Cert 27506
FDIC · 3 branches
Q3 2021
Market Position · Columbus, OH · 2021 SOD (annual) · 0.1% share · #37 of 57 inst. · $0.1B of $98.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.98% | 0.96% | 0.70% | 0.90% | +27 bps | |
| Return on Equity | 6.80% | 10.36% | 10.40% | 7.71% | 9.72% | +292 bps | |
| Net Interest Margin | 3.21% | 3.58% | 3.33% | 3.04% | 3.23% | +2 bps | |
| Efficiency Ratio | 80.31% | 73.84% | 72.83% | 78.31% | 74.65% | -565 bps | |
| Non-Interest Burden | 2.42% | 2.39% | 2.22% | 2.20% | 2.21% | -21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.67% | 4.98% | 9.25% | 4.37% | 4.75% | +108 bps | |
| Loan Growth (YoY) | 4.44% | 2.43% | 1.57% | -10.39% | -13.41% | -1,785 bps | |
| Deposit Growth (YoY) | 5.51% | 12.53% | 11.39% | 12.86% | 12.67% | +716 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.05% | 0.03% | 0.04% | 0.08% | -13 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.19% | 0.11% | 0.02% | -0.02% | -20 bps | |
| Allowance / Loans | 0.92% | 0.89% | 0.90% | 0.92% | 0.98% | +6 bps | |
| Allowance Coverage of NPLs | 4.6x | 17.3x | 29.1x | 23.0x | 12.9x | +8.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.70% | 8.94% | 8.45% | 8.65% | 8.39% | -31 bps | |
| Total Risk-Based Capital | 15.34% | 15.98% | 16.65% | 16.65% | 16.60% | +126 bps | |
| Equity / Assets | 9.39% | 9.50% | 9.03% | 9.22% | 9.33% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.56% | 85.45% | 74.73% | 73.02% | 68.83% | -2,073 bps | |
| Liquid Assets / Assets | 2.79% | 3.14% | 8.22% | 4.41% | 8.69% | +590 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |