Portsmouth, OH · Cert 29597
FDIC · 6 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.
Portsmouth, OH · Cert 29597
FDIC · 6 branches
Q1 2018
Market Position · Cincinnati, OH-KY-IN · 2017 SOD (annual) · 0.0% share · #62 of 66 inst. · $0.0B 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 | 0.76% | 0.88% | 0.88% | 0.89% | 1.01% | 1.01% | 0.98% | 1.03% | +14 bps | |
| Return on Equity | 6.91% | 8.08% | 8.02% | 8.09% | 9.30% | 9.40% | 9.08% | 9.42% | +133 bps | |
| Net Interest Margin | 3.77% | 3.75% | 3.71% | 3.82% | 3.83% | 3.77% | 3.81% | 3.80% | -2 bps | |
| Efficiency Ratio | 77.74% | 75.08% | 75.52% | 76.76% | 73.52% | 73.00% | 73.36% | 78.46% | +170 bps | |
| Non-Interest Burden | 2.59% | 2.40% | 2.38% | 2.57% | 2.35% | 2.29% | 2.35% | 2.72% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.43% | 7.93% | 6.02% | 7.56% | 9.06% | 7.28% | 5.87% | 1.85% | -571 bps | |
| Loan Growth (YoY) | 11.48% | 11.99% | 9.05% | 10.55% | 8.78% | 10.59% | 8.93% | 3.52% | -703 bps | |
| Deposit Growth (YoY) | 3.83% | 1.57% | -1.47% | -1.02% | 3.82% | 3.98% | 3.53% | 3.27% | +429 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.40% | 0.50% | 0.47% | 0.46% | 0.37% | -2 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.08% | 0.08% | 0.02% | 0.06% | 0.06% | 0.06% | 0.01% | -1 bps | |
| Allowance / Loans | 0.66% | 0.66% | 0.64% | 0.63% | 0.60% | 0.58% | 0.57% | 0.60% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.6x | 1.2x | 1.2x | 1.2x | 1.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.12% | 10.23% | 10.23% | 10.13% | 10.05% | 9.84% | 9.91% | 10.28% | +15 bps | |
| Total Risk-Based Capital | 14.72% | 14.97% | 14.96% | 14.65% | 14.29% | 13.88% | 14.02% | 14.63% | -2 bps | |
| Equity / Assets | 10.85% | 11.01% | 11.17% | 10.89% | 10.49% | 10.60% | 10.78% | 11.10% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.49% | 113.65% | 116.29% | 119.53% | 114.73% | 120.87% | 122.36% | 119.82% | +29 bps | |
| Liquid Assets / Assets | 1.02% | 1.52% | 0.98% | 1.58% | 1.59% | 1.79% | 1.00% | 0.66% | -92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |