Newbury, OH · Cert 32287
FDIC · 2 branches
Q4 2019
Market Position · Cleveland-Elyria, OH · 2019 SOD (annual) · 0.3% share · #19 of 35 inst. · $0.2B of $72.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 2.07% | 0.81% | 0.26% | 0.29% | 0.89% | 0.87% | -0.55% | -81 bps | |
| Return on Equity | 3.75% | 12.70% | 5.19% | 1.80% | 1.96% | 6.09% | 5.95% | -3.70% | -550 bps | |
| Net Interest Margin | 3.26% | 3.61% | 3.38% | 3.34% | 3.36% | 3.22% | 3.16% | 3.10% | -23 bps | |
| Efficiency Ratio | 63.63% | 64.34% | 70.49% | 79.34% | 69.01% | 68.04% | 66.24% | 99.04% | +1,970 bps | |
| Non-Interest Burden | 2.03% | 2.27% | 2.39% | 2.65% | 2.31% | 2.16% | 2.05% | 3.07% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.20% | -21.55% | -11.95% | -7.06% | 2.37% | 4.73% | -2.16% | -1.79% | +527 bps | |
| Loan Growth (YoY) | 9.36% | 6.37% | 9.08% | 9.15% | 9.13% | 2.64% | -0.16% | -2.64% | -1,178 bps | |
| Deposit Growth (YoY) | -9.17% | -8.38% | 4.11% | 2.34% | 8.07% | 6.43% | -10.22% | -6.33% | -867 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.40% | 3.04% | 2.75% | 2.88% | 2.74% | 2.65% | 2.50% | 1.95% | -93 bps | |
| Net Charge-Offs / Loans | -0.24% | -1.83% | 0.57% | -0.08% | 0.59% | -0.01% | 0.02% | 1.32% | +140 bps | |
| Allowance / Loans | 1.31% | 1.26% | 1.09% | 1.10% | 0.92% | 0.96% | 0.96% | 0.92% | -18 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.3x | 0.4x | 0.4x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.30% | 16.55% | 14.78% | 14.88% | 15.04% | 14.33% | 14.73% | 14.67% | -22 bps | |
| Total Risk-Based Capital | 25.29% | 25.91% | 23.20% | 23.08% | 21.69% | 21.57% | 21.73% | 21.68% | -140 bps | |
| Equity / Assets | 15.56% | 17.02% | 14.36% | 14.75% | 14.57% | 14.48% | 14.82% | 14.67% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.55% | 99.42% | 88.84% | 94.57% | 95.47% | 95.88% | 98.80% | 98.30% | +373 bps | |
| Liquid Assets / Assets | 3.56% | 2.15% | 2.23% | 2.80% | 3.89% | 2.16% | 4.71% | 6.09% | +330 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |