Cincinnati, OH · Cert 28724
FDIC · 5 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 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 28724
FDIC · 5 branches
Q1 2018
Market Position · Cincinnati, OH-KY-IN · 2017 SOD (annual) · 0.1% share · #24 of 66 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.48% | 1.42% | 1.24% | 1.33% | 1.33% | 1.31% | 1.34% | +10 bps | |
| Return on Equity | 8.96% | 8.29% | 7.90% | 6.59% | 6.95% | 6.90% | 6.75% | 6.50% | -9 bps | |
| Net Interest Margin | 3.55% | 3.36% | 3.29% | 3.15% | 3.23% | 3.27% | 3.24% | 3.39% | +24 bps | |
| Efficiency Ratio | 53.30% | 54.41% | 55.47% | 59.36% | 58.11% | 58.17% | 58.89% | 58.59% | -78 bps | |
| Non-Interest Burden | 1.84% | 1.78% | 1.78% | 1.80% | 1.81% | 1.84% | 1.84% | 1.95% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.45% | 3.29% | 0.98% | 1.04% | -1.22% | -2.36% | -0.57% | -3.58% | -462 bps | |
| Loan Growth (YoY) | 0.33% | -3.35% | -2.68% | -3.20% | -1.05% | 3.78% | -0.53% | 0.34% | +354 bps | |
| Deposit Growth (YoY) | 3.49% | 4.66% | -0.52% | -0.34% | -3.49% | -4.87% | 0.98% | -3.47% | -313 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.28% | 0.21% | 0.32% | 0.24% | 0.23% | -4 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.05% | 0.00% | 0.00% | 0.03% | 0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 1.58% | 1.63% | 1.60% | 1.62% | 1.59% | 1.55% | 1.62% | 1.62% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 5.9x | 7.4x | 4.9x | 6.7x | 6.9x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.33% | 16.47% | 16.79% | 17.41% | 17.79% | 18.21% | 18.25% | 19.14% | +172 bps | |
| Total Risk-Based Capital | 21.37% | 21.60% | 22.59% | 22.80% | 22.48% | 22.94% | 24.35% | 25.16% | +236 bps | |
| Equity / Assets | 18.03% | 17.96% | 18.68% | 19.01% | 19.56% | 19.70% | 20.10% | 21.09% | +208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 126.66% | 119.72% | 124.58% | 124.61% | 129.86% | 130.61% | 122.71% | 129.53% | +492 bps | |
| Liquid Assets / Assets | 0.74% | 0.73% | 8.66% | 8.51% | 6.84% | 4.83% | 4.79% | 5.07% | -343 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |