Cincinnati, OH · Cert 28346
FDIC · 5 branches
Q3 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2023, the quarter ended September 30, 2023, 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 28346
FDIC · 5 branches
Q3 2023
Market Position · Cincinnati, OH-KY-IN · 2023 SOD (annual) · 0.1% share · #27 of 57 inst. · $0.2B of $193.1B
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.63% | 0.43% | 0.74% | 0.61% | 0.54% | 0.17% | 0.16% | -58 bps | |
| Return on Equity | 5.33% | 4.35% | 3.04% | 5.36% | 4.55% | 4.28% | 1.39% | 1.28% | -408 bps | |
| Net Interest Margin | 2.61% | 2.91% | 2.89% | 2.79% | 2.78% | 2.49% | 2.43% | 2.26% | -53 bps | |
| Efficiency Ratio | 84.80% | 84.10% | 86.66% | 80.43% | 82.37% | 82.35% | 93.27% | 93.69% | +1,327 bps | |
| Non-Interest Burden | 1.64% | 2.06% | 2.24% | 1.83% | 1.97% | 1.78% | 2.19% | 2.04% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.23% | 6.34% | 12.91% | 17.50% | 20.44% | 19.14% | 8.67% | 6.51% | -1,099 bps | |
| Loan Growth (YoY) | 13.02% | 14.14% | 16.48% | 20.52% | 27.09% | 23.71% | 10.92% | 9.38% | -1,113 bps | |
| Deposit Growth (YoY) | 31.95% | 32.17% | 37.42% | 19.99% | 10.38% | 5.06% | -7.37% | -7.37% | -2,736 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.80% | 0.75% | 0.73% | 0.71% | 0.71% | 0.70% | 0.68% | -5 bps | |
| Allowance Coverage of NPLs | 13.9x | 30.8x | 33.5x | 34.0x | 34.4x | 35.3x | 36.0x | 36.7x | +2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.66% | 14.90% | 14.19% | 13.27% | 13.09% | 12.87% | 12.78% | 12.64% | -62 bps | |
| Total Risk-Based Capital | 20.01% | 19.45% | 17.81% | 17.13% | 16.89% | 17.37% | 16.98% | 16.60% | -53 bps | |
| Equity / Assets | 14.63% | 14.56% | 13.25% | 12.86% | 12.45% | 12.57% | 12.46% | 12.30% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.89% | 98.48% | 106.56% | 108.05% | 111.56% | 115.97% | 127.60% | 127.59% | +1,954 bps | |
| Liquid Assets / Assets | 5.22% | 5.89% | 4.33% | 4.61% | 4.57% | 4.03% | 3.18% | 3.38% | -123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |