Cincinnati, OH · Cert 27968
FDIC · 2 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Cincinnati, OH · Cert 27968
FDIC · 2 branches
Q3 2018
Market Position · Cincinnati, OH-KY-IN · 2018 SOD (annual) · 0.1% share · #34 of 64 inst. · $0.1B of $112.3B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 3.65% | 1.91% | 1.34% | 0.56% | 0.51% | 0.54% | 0.54% | -80 bps | |
| Return on Equity | 7.08% | 30.60% | 16.28% | 11.69% | 5.00% | 5.07% | 5.48% | 5.51% | -618 bps | |
| Net Interest Margin | 2.44% | 2.66% | 2.52% | 2.51% | 2.48% | 2.71% | 2.64% | 2.63% | +11 bps | |
| Efficiency Ratio | 88.10% | 104.02% | 95.11% | 91.60% | 90.46% | 78.25% | 76.88% | 76.64% | -1,496 bps | |
| Non-Interest Burden | 2.09% | 2.75% | 2.36% | 2.26% | 2.21% | 2.06% | 1.97% | 1.96% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.78% | 14.32% | 20.36% | 25.05% | 22.71% | 19.72% | 17.26% | 6.50% | -1,855 bps | |
| Loan Growth (YoY) | 9.81% | 17.90% | 19.18% | 18.37% | 27.47% | 23.76% | 22.37% | 15.17% | -320 bps | |
| Deposit Growth (YoY) | 6.04% | 10.99% | 25.43% | 37.21% | 29.75% | 26.82% | 12.30% | -5.36% | -4,257 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.78% | 0.71% | 0.72% | 0.62% | 0.57% | 0.49% | 0.54% | -18 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | -0.02% | -0.01% | -1 bps | |
| Allowance / Loans | 1.50% | 1.41% | 1.33% | 1.25% | 1.18% | 1.14% | 1.09% | 1.09% | -16 bps | |
| Allowance Coverage of NPLs | n/a | 1.8x | 1.9x | 1.7x | 1.9x | 2.0x | 2.2x | 2.0x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.67% | 11.64% | 10.72% | 10.32% | 9.81% | 9.70% | 9.53% | 9.30% | -102 bps | |
| Total Risk-Based Capital | 18.06% | 16.69% | 15.44% | 14.58% | 13.53% | 13.30% | 12.98% | 12.16% | -243 bps | |
| Equity / Assets | 11.79% | 12.09% | 11.40% | 10.58% | 10.10% | 9.86% | 9.56% | 9.53% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 126.58% | 129.51% | 126.23% | 120.15% | 124.35% | 126.39% | 137.54% | 146.21% | +2,606 bps | |
| Liquid Assets / Assets | 7.42% | 5.51% | 5.42% | 7.24% | 4.46% | 4.75% | 3.59% | 2.24% | -500 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |