Springfield, OH · Cert 28554
FDIC · 2 branches
Q3 2018
Market Position · Springfield, OH · 2018 SOD (annual) · 7.6% share · #4 of 12 inst. · $0.1B of $1.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.56% | 2.47% | 1.10% | 1.08% | 1.25% | 1.24% | 1.13% | +3 bps | |
| Return on Equity | 11.74% | 14.73% | 22.95% | 9.91% | 9.47% | 10.73% | 10.39% | 9.61% | -30 bps | |
| Net Interest Margin | 3.43% | 3.39% | 3.35% | 3.41% | 3.46% | 3.41% | 3.40% | 3.48% | +6 bps | |
| Efficiency Ratio | 54.81% | 43.99% | 64.12% | 55.26% | 56.40% | 57.07% | 58.06% | 61.83% | +657 bps | |
| Non-Interest Burden | 1.65% | 1.34% | 1.74% | 1.75% | 1.84% | 1.82% | 1.83% | 2.04% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 6.51% | 7.53% | 7.06% | 6.00% | 2.95% | -0.27% | 1.82% | -524 bps | |
| Loan Growth (YoY) | 2.50% | 6.79% | 7.87% | 8.59% | 7.86% | 4.36% | 1.86% | 2.66% | -593 bps | |
| Deposit Growth (YoY) | 5.85% | 3.67% | 5.68% | 5.61% | 2.12% | 3.75% | -0.73% | -1.17% | -678 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.18% | 0.16% | 0.21% | 0.12% | 0.10% | 0.08% | -9 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.02% | 0.13% | -0.02% | 0.11% | -0.01% | 0.06% | 0.02% | +4 bps | |
| Allowance / Loans | 1.95% | 1.88% | 1.24% | 1.23% | 1.20% | 1.20% | 1.18% | 1.15% | -8 bps | |
| Allowance Coverage of NPLs | n/a | 7.2x | 7.0x | 7.5x | 5.8x | 10.4x | 11.4x | 14.9x | +7.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.70% | 10.85% | 11.10% | 11.21% | 11.61% | 11.88% | 12.17% | 11.78% | +57 bps | |
| Total Risk-Based Capital | 16.67% | 17.17% | 17.59% | 17.67% | 18.51% | 18.95% | 19.13% | 18.32% | +65 bps | |
| Equity / Assets | 10.66% | 10.58% | 10.98% | 11.21% | 11.59% | 11.68% | 12.10% | 11.49% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.82% | 120.75% | 120.43% | 119.68% | 121.27% | 121.46% | 123.57% | 124.33% | +465 bps | |
| Liquid Assets / Assets | 3.13% | 3.25% | 3.09% | 3.78% | 3.51% | 4.57% | 3.69% | 4.23% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |