Coshocton, OH · Cert 34071
FDIC · 6 branches
Q2 2014
Market Position · Columbus, OH · 2014 SOD (annual) · 0.0% share · #49 of 60 inst. · $0.0B of $53.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.56% | 0.63% | 0.58% | 0.56% | -6 bps | |
| Return on Equity | 6.43% | 5.71% | 6.37% | 5.85% | 5.49% | -94 bps | |
| Net Interest Margin | 2.67% | 2.61% | 2.75% | 2.68% | 2.65% | -2 bps | |
| Efficiency Ratio | 71.84% | 73.99% | 72.05% | 73.35% | 74.12% | +228 bps | |
| Non-Interest Burden | 1.76% | 1.82% | 1.86% | 1.85% | 1.85% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.91% | -5.77% | -2.75% | -1.55% | -2.44% | +347 bps | |
| Loan Growth (YoY) | -0.16% | 0.14% | 1.86% | 2.30% | 1.58% | +174 bps | |
| Deposit Growth (YoY) | -4.16% | -4.57% | -1.49% | 0.12% | -0.32% | +384 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.17% | -0.01% | 0.00% | -0.05% | -2 bps | |
| Allowance / Loans | 1.67% | 1.62% | 1.61% | 1.60% | 1.62% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.28% | 18.84% | 19.38% | 19.43% | 18.84% | -44 bps | |
| Equity / Assets | 9.77% | 9.80% | 9.90% | 9.99% | 10.40% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.46% | 100.60% | 100.57% | 99.80% | 101.35% | +189 bps | |
| Liquid Assets / Assets | 6.62% | 3.75% | 3.70% | 4.33% | 4.84% | -177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |