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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.61% | 0.54% | 0.17% | 0.16% | -58 bps | |
| Return on Equity | 5.36% | 4.55% | 4.28% | 1.39% | 1.28% | -408 bps | |
| Net Interest Margin | 2.79% | 2.78% | 2.49% | 2.43% | 2.26% | -53 bps | |
| Efficiency Ratio | 80.43% | 82.37% | 82.35% | 93.27% | 93.69% | +1,327 bps | |
| Non-Interest Burden | 1.83% | 1.97% | 1.78% | 2.19% | 2.04% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.50% | 20.44% | 19.14% | 8.67% | 6.51% | -1,099 bps | |
| Loan Growth (YoY) | 20.52% | 27.09% | 23.71% | 10.92% | 9.38% | -1,113 bps | |
| Deposit Growth (YoY) | 19.99% | 10.38% | 5.06% | -7.37% | -7.37% | -2,736 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 0.73% | 0.71% | 0.71% | 0.70% | 0.68% | -5 bps | |
| Allowance Coverage of NPLs | 34.0x | 34.4x | 35.3x | 36.0x | 36.7x | +2.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.27% | 13.09% | 12.87% | 12.78% | 12.64% | -62 bps | |
| Total Risk-Based Capital | 17.13% | 16.89% | 17.37% | 16.98% | 16.60% | -53 bps | |
| Equity / Assets | 12.86% | 12.45% | 12.57% | 12.46% | 12.30% | -56 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.05% | 111.56% | 115.97% | 127.60% | 127.59% | +1,954 bps | |
| Liquid Assets / Assets | 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 |