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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.65% | 0.11% | 0.03% | 0.32% | 0.19% | 0.13% | 0.05% | +2 bps | |
| Return on Equity | 2.55% | 4.46% | 0.73% | 0.18% | 2.30% | 1.38% | 0.95% | 0.33% | +16 bps | |
| Net Interest Margin | 2.73% | 3.29% | 3.24% | 2.79% | 2.72% | 2.48% | 2.76% | 2.49% | -31 bps | |
| Efficiency Ratio | 83.75% | 80.12% | 96.64% | 98.81% | 88.52% | 92.63% | 95.40% | 98.45% | -36 bps | |
| Non-Interest Burden | 2.00% | 2.45% | 3.12% | 2.76% | 2.30% | 2.21% | 2.60% | 2.44% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.60% | -3.27% | -0.56% | 2.51% | 5.73% | 5.63% | 0.28% | 0.26% | -224 bps | |
| Loan Growth (YoY) | 9.43% | 8.83% | 16.47% | 16.23% | 12.70% | 16.57% | 7.19% | 6.93% | -930 bps | |
| Deposit Growth (YoY) | 1.57% | -2.93% | -7.49% | -3.73% | -2.56% | -1.80% | 3.23% | -2.22% | +150 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.29% | 0.27% | 0.24% | 0.32% | 2.10% | 0.22% | 0.20% | -4 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.97% | 0.99% | 0.91% | 1.21% | 1.17% | 1.15% | 1.15% | 1.13% | -8 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.4x | 3.4x | 5.0x | 3.6x | 0.5x | 5.1x | 5.6x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.25% | 14.74% | 14.65% | 14.07% | 14.14% | 14.25% | 13.61% | 13.78% | -29 bps | |
| Total Risk-Based Capital | 16.19% | 16.56% | 16.12% | 15.97% | 15.97% | 15.90% | 15.48% | 15.30% | -67 bps | |
| Equity / Assets | 14.46% | 14.84% | 14.29% | 14.08% | 13.94% | 14.21% | 13.71% | 13.68% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.13% | 88.78% | 99.20% | 98.72% | 103.08% | 105.39% | 103.00% | 107.97% | +924 bps | |
| Liquid Assets / Assets | 16.41% | 17.08% | 14.22% | 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 | n/a | n/a | n/a |