Middletown, OH · Cert 29899
FDIC · 2 branches
Q2 2019
Market Position · Cincinnati, OH-KY-IN · 2019 SOD (annual) · 0.0% share · #51 of 62 inst. · $0.0B of $139.0B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.06% | 0.12% | 0.07% | 0.09% | 0.05% | -0.03% | -0.04% | -11 bps | |
| Return on Equity | 0.73% | 0.35% | 0.67% | 0.41% | 0.48% | 0.26% | -0.15% | -0.20% | -61 bps | |
| Net Interest Margin | 3.56% | 3.51% | 3.63% | 3.60% | 3.62% | 3.55% | 3.73% | 3.61% | +1 bps | |
| Efficiency Ratio | 99.71% | 98.31% | 106.35% | 103.49% | 101.56% | 102.23% | 102.60% | 102.29% | -120 bps | |
| Non-Interest Burden | 3.54% | 3.44% | 3.89% | 3.74% | 3.68% | 3.64% | 3.84% | 3.71% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.53% | 2.24% | 4.40% | -1.05% | -1.40% | -1.05% | -0.72% | 3.59% | +464 bps | |
| Loan Growth (YoY) | 4.91% | -0.55% | -3.39% | -5.01% | -5.20% | -1.55% | -3.36% | -4.33% | +69 bps | |
| Deposit Growth (YoY) | 11.78% | 10.24% | 13.36% | 5.52% | 3.24% | -1.51% | -1.04% | 4.52% | -100 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.25% | 0.24% | 0.24% | 0.24% | 0.49% | 0.23% | 0.52% | +28 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.01% | 0.03% | 0.02% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.53% | 0.55% | 0.42% | 0.42% | 0.41% | 0.37% | 0.36% | 0.38% | -4 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.2x | 1.8x | 1.7x | 1.7x | 0.8x | 1.6x | 0.7x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.89% | 17.64% | 18.11% | 18.08% | 18.20% | 17.86% | 18.26% | 17.96% | -12 bps | |
| Total Risk-Based Capital | 28.80% | 28.86% | 28.10% | 28.58% | 29.01% | 28.16% | 28.23% | 29.19% | +61 bps | |
| Equity / Assets | 18.02% | 18.16% | 18.06% | 18.30% | 18.30% | 18.40% | 18.21% | 17.66% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.72% | 95.10% | 94.70% | 93.59% | 92.48% | 95.06% | 92.48% | 85.67% | -792 bps | |
| Liquid Assets / Assets | 11.03% | 11.69% | 12.01% | 13.55% | 14.10% | 12.78% | 14.76% | 16.75% | +319 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |