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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | -1.55% | 0.51% | 0.57% | 0.53% | +24 bps | |
| Return on Equity | 2.68% | -15.02% | 5.07% | 5.87% | 5.55% | +287 bps | |
| Net Interest Margin | 2.74% | 2.77% | 2.71% | 2.63% | 2.65% | -9 bps | |
| Efficiency Ratio | 85.16% | 87.49% | 78.25% | 75.51% | 76.17% | -899 bps | |
| Non-Interest Burden | 2.29% | 2.39% | 2.06% | 1.92% | 1.97% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 25.05% | 22.71% | 19.72% | 17.26% | 6.50% | -1,855 bps | |
| Loan Growth (YoY) | 18.37% | 27.47% | 23.76% | 22.37% | 15.17% | -320 bps | |
| Deposit Growth (YoY) | 37.21% | 29.75% | 26.82% | 12.30% | -5.36% | -4,257 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.72% | 0.62% | 0.57% | 0.49% | 0.54% | -18 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | -0.01% | -0.03% | 0.00% | -1 bps | |
| Allowance / Loans | 1.25% | 1.18% | 1.14% | 1.09% | 1.09% | -16 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.9x | 2.0x | 2.2x | 2.0x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.32% | 9.81% | 9.70% | 9.53% | 9.30% | -102 bps | |
| Total Risk-Based Capital | 14.58% | 13.53% | 13.30% | 12.98% | 12.16% | -243 bps | |
| Equity / Assets | 10.58% | 10.10% | 9.86% | 9.56% | 9.53% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 120.15% | 124.35% | 126.39% | 137.54% | 146.21% | +2,606 bps | |
| Liquid Assets / Assets | 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 |