Cincinnati, OH · Cert 30439
FDIC · 3 branches
Q1 2024
Market Position · Cincinnati, OH-KY-IN · 2023 SOD (annual) · 0.1% share · #34 of 57 inst. · $0.1B of $193.1B
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.17% | 0.18% | 0.17% | 0.05% | +2 bps | |
| Return on Equity | 0.18% | 1.24% | 1.29% | 1.21% | 0.33% | +16 bps | |
| Net Interest Margin | 2.79% | 2.75% | 2.66% | 2.68% | 2.49% | -31 bps | |
| Efficiency Ratio | 98.81% | 93.38% | 93.13% | 93.68% | 98.45% | -36 bps | |
| Non-Interest Burden | 2.76% | 2.52% | 2.42% | 2.46% | 2.44% | -31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.51% | 5.73% | 5.63% | 0.28% | 0.26% | -224 bps | |
| Loan Growth (YoY) | 16.23% | 12.70% | 16.57% | 7.19% | 6.93% | -930 bps | |
| Deposit Growth (YoY) | -3.73% | -2.56% | -1.80% | 3.23% | -2.22% | +150 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.32% | 2.10% | 0.22% | 0.20% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.17% | 1.15% | 1.15% | 1.13% | -8 bps | |
| Allowance Coverage of NPLs | 5.0x | 3.6x | 0.5x | 5.1x | 5.6x | +0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.07% | 14.14% | 14.25% | 13.61% | 13.78% | -29 bps | |
| Total Risk-Based Capital | 15.97% | 15.97% | 15.90% | 15.48% | 15.30% | -67 bps | |
| Equity / Assets | 14.08% | 13.94% | 14.21% | 13.71% | 13.68% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.72% | 103.08% | 105.39% | 103.00% | 107.97% | +924 bps | |
| Liquid Assets / Assets | 13.31% | 11.67% | 9.15% | 8.49% | 7.37% | -594 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |