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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.56% | 0.44% | 0.53% | 0.54% | 0.56% | 0.58% | 0.57% | +4 bps | |
| Return on Equity | 6.42% | 6.32% | 4.60% | 5.52% | 5.59% | 5.78% | 5.85% | 5.66% | +14 bps | |
| Net Interest Margin | 2.75% | 2.80% | 2.69% | 2.69% | 2.67% | 2.71% | 2.68% | 2.67% | -2 bps | |
| Efficiency Ratio | 70.38% | 70.86% | 84.56% | 78.14% | 76.80% | 75.61% | 73.35% | 73.74% | -440 bps | |
| Non-Interest Burden | 1.80% | 1.85% | 2.21% | 1.99% | 1.94% | 1.93% | 1.85% | 1.86% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.11% | -4.40% | -5.42% | -5.91% | -5.77% | -2.75% | -1.55% | -2.44% | +347 bps | |
| Loan Growth (YoY) | -4.18% | -2.46% | 0.54% | -0.16% | 0.14% | 1.86% | 2.30% | 1.58% | +174 bps | |
| Deposit Growth (YoY) | 3.08% | -0.72% | -2.40% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.14% | 0.05% | 0.01% | 0.06% | 0.04% | 0.00% | -0.03% | -4 bps | |
| Allowance / Loans | 1.63% | 1.67% | 1.67% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.95% | 18.37% | 18.92% | 19.28% | 18.84% | 19.38% | 19.43% | 18.84% | -44 bps | |
| Equity / Assets | 9.14% | 9.47% | 9.61% | 9.77% | 9.80% | 9.90% | 9.99% | 10.40% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.87% | 97.26% | 97.67% | 99.46% | 100.60% | 100.57% | 99.80% | 101.35% | +189 bps | |
| Liquid Assets / Assets | 10.07% | 7.86% | 6.52% | 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 | n/a | n/a | n/a |