Sidney, OH · Cert 29703
FDIC · 3 branches
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.58% | 0.58% | 0.65% | 0.70% | 0.96% | 0.85% | -1.60% | -226 bps | |
| Return on Equity | 4.72% | 4.71% | 4.77% | 5.33% | 5.76% | 8.51% | 7.61% | -14.61% | -1,994 bps | |
| Net Interest Margin | 3.19% | 3.20% | 3.28% | 3.34% | 3.19% | 3.21% | 3.23% | 3.64% | +30 bps | |
| Efficiency Ratio | 78.68% | 79.89% | 79.87% | 77.79% | 76.29% | 74.68% | 74.91% | 107.51% | +2,972 bps | |
| Non-Interest Burden | 2.47% | 2.51% | 2.57% | 2.54% | 2.37% | 2.33% | 2.36% | 3.93% | +139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.85% | 10.28% | 4.87% | 2.90% | 3.62% | 4.32% | 4.23% | 3.98% | +109 bps | |
| Loan Growth (YoY) | 4.22% | 2.07% | 7.06% | 7.08% | 8.41% | 9.53% | 6.22% | 7.55% | +47 bps | |
| Deposit Growth (YoY) | 9.59% | 12.74% | 6.30% | 4.06% | 5.42% | 6.00% | 6.10% | 6.61% | +254 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.49% | 0.54% | 0.45% | 0.33% | 0.30% | 0.28% | 0.11% | -34 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.32% | -0.16% | -0.24% | -24 bps | |
| Allowance / Loans | 1.17% | 1.17% | 1.12% | 1.10% | 1.08% | 1.06% | 1.05% | 1.12% | +2 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.4x | 2.1x | 2.5x | 3.3x | 3.6x | 3.7x | 10.2x | +7.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.40% | 12.00% | 12.28% | 12.47% | 11.36% | 11.36% | 11.37% | 10.22% | -225 bps | |
| Total Risk-Based Capital | 23.00% | 21.73% | 21.04% | 19.63% | 20.22% | 17.71% | 18.27% | 16.15% | -348 bps | |
| Equity / Assets | 12.45% | 12.06% | 12.17% | 12.39% | 11.54% | 11.05% | 10.97% | 10.37% | -202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.04% | 82.73% | 86.80% | 89.39% | 87.46% | 85.49% | 86.90% | 90.17% | +79 bps | |
| Liquid Assets / Assets | 9.99% | 10.09% | 7.75% | 6.30% | 8.99% | 8.52% | 7.40% | 13.40% | +710 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |