Cheviot, OH · Cert 27946
FDIC · 12 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 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.
Cheviot, OH · Cert 27946
FDIC · 12 branches
Q1 2016
Market Position · Cincinnati, OH-KY-IN · 2015 SOD (annual) · 0.5% share · #12 of 68 inst. · $0.5B of $90.4B
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.41% | 0.48% | 0.02% | 0.22% | 0.23% | 0.27% | 0.11% | +9 bps | |
| Return on Equity | 2.20% | 2.81% | 3.28% | 0.12% | 1.44% | 1.52% | 1.77% | 0.69% | +57 bps | |
| Net Interest Margin | 2.56% | 2.58% | 2.62% | 2.55% | 2.59% | 2.55% | 2.60% | 2.67% | +11 bps | |
| Efficiency Ratio | 76.86% | 72.91% | 71.35% | 94.13% | 83.04% | 79.33% | 76.30% | 81.15% | -1,299 bps | |
| Non-Interest Burden | 1.93% | 1.82% | 1.79% | 2.36% | 2.06% | 1.91% | 1.86% | 2.09% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.45% | -2.63% | -2.28% | -1.86% | -0.01% | 0.48% | 0.12% | -1.88% | -2 bps | |
| Loan Growth (YoY) | -1.60% | -0.36% | 0.26% | 1.95% | 8.12% | 9.12% | 11.90% | 9.08% | +713 bps | |
| Deposit Growth (YoY) | -2.45% | -2.98% | -3.24% | -2.48% | -2.22% | 0.77% | 0.17% | -2.38% | +10 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 | 0.16% | 0.12% | 0.14% | 0.07% | 0.16% | 0.13% | 0.10% | 0.08% | +1 bps | |
| Allowance / Loans | 0.61% | 0.66% | 0.66% | 0.68% | 0.67% | 0.82% | 0.93% | 1.08% | +40 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 | 13.98% | 13.92% | 13.78% | 13.94% | 14.26% | +28 bps | |
| Total Risk-Based Capital | 26.50% | 25.57% | 25.23% | 24.62% | 23.70% | 23.26% | 22.54% | 23.14% | -148 bps | |
| Equity / Assets | 14.89% | 15.27% | 15.24% | 15.43% | 15.10% | 15.49% | 15.50% | 15.90% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.52% | 72.26% | 72.90% | 72.86% | 76.87% | 78.24% | 81.44% | 81.40% | +855 bps | |
| Liquid Assets / Assets | 2.37% | 1.47% | 3.34% | 2.46% | 7.72% | 8.84% | 7.23% | 6.70% | +425 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |