Ripley, OH · Cert 29323
FDIC · 2 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Ripley, OH · Cert 29323
FDIC · 2 branches
Q3 2017
Market Position · Cincinnati, OH-KY-IN · 2017 SOD (annual) · 0.0% share · #48 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.10% | -0.09% | -1.25% | -0.83% | 0.46% | 0.30% | 0.35% | +161 bps | |
| Return on Equity | -0.41% | -0.93% | -0.90% | -12.54% | -8.43% | 4.79% | 3.09% | 3.63% | +1,617 bps | |
| Net Interest Margin | 2.65% | 2.90% | 2.94% | 2.93% | 2.92% | 3.02% | 2.97% | 2.99% | +6 bps | |
| Efficiency Ratio | 103.99% | 103.13% | 103.02% | 103.99% | 99.24% | 86.15% | 86.95% | 86.61% | -1,739 bps | |
| Non-Interest Burden | 2.77% | 3.02% | 3.06% | 3.07% | 2.91% | 2.58% | 2.56% | 2.56% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.15% | 1.45% | 0.71% | 2.10% | 0.36% | -0.60% | 0.17% | -3.43% | -553 bps | |
| Loan Growth (YoY) | 14.06% | 16.89% | 6.07% | 2.17% | -0.92% | -2.36% | -1.80% | -3.73% | -590 bps | |
| Deposit Growth (YoY) | 0.78% | -0.44% | -2.63% | 0.38% | -0.95% | -1.84% | -1.82% | -5.08% | -546 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.23% | 1.29% | 1.20% | +120 bps | |
| Net Charge-Offs / Loans | 0.15% | -0.02% | -0.03% | 1.22% | 0.94% | -0.05% | 0.07% | 0.03% | -119 bps | |
| Allowance / Loans | 1.57% | 1.57% | 1.58% | 1.72% | 1.75% | 1.78% | 1.82% | 1.85% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.5x | 1.4x | 1.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.90% | 10.88% | 10.87% | 10.05% | 9.92% | 10.26% | 10.28% | 10.40% | +36 bps | |
| Total Risk-Based Capital | 16.08% | 16.24% | 16.20% | 15.27% | 15.41% | 15.75% | 15.59% | 16.30% | +104 bps | |
| Equity / Assets | 10.23% | 10.22% | 10.24% | 9.29% | 9.48% | 9.70% | 9.74% | 10.12% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.93% | 92.66% | 93.58% | 93.45% | 91.96% | 92.16% | 93.59% | 94.78% | +133 bps | |
| Liquid Assets / Assets | 9.44% | 8.90% | 9.89% | 10.39% | 11.27% | 11.12% | 11.77% | 10.24% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |