Upper Arlington, OH · Cert 34977
FDIC · 3 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Upper Arlington, OH · Cert 34977
FDIC · 3 branches
Q1 2017
Market Position · Columbus, OH · 2016 SOD (annual) · 0.4% share · #21 of 58 inst. · $0.3B of $63.7B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.28% | 1.26% | 1.17% | 1.29% | 1.39% | 1.39% | 0.79% | -38 bps | |
| Return on Equity | 9.70% | 11.26% | 11.16% | 10.57% | 11.54% | 12.36% | 12.40% | 7.03% | -354 bps | |
| Net Interest Margin | 3.75% | 3.82% | 3.73% | 3.69% | 3.63% | 3.73% | 3.64% | 3.60% | -9 bps | |
| Efficiency Ratio | 66.65% | 62.95% | 62.79% | 63.25% | 61.90% | 60.46% | 60.24% | 72.78% | +953 bps | |
| Non-Interest Burden | 2.11% | 1.88% | 1.84% | 1.90% | 1.71% | 1.63% | 1.59% | 2.38% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.38% | 5.79% | 2.38% | 6.68% | 6.61% | 7.40% | 8.03% | -1.42% | -810 bps | |
| Loan Growth (YoY) | 9.12% | 11.10% | 7.26% | 4.05% | 1.50% | 0.28% | -1.76% | -4.06% | -811 bps | |
| Deposit Growth (YoY) | 0.94% | 5.65% | 2.19% | 7.29% | 11.77% | 8.07% | 8.73% | -0.63% | -791 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.85% | +85 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.02% | 0.00% | 0.01% | 0.01% | 0.04% | +2 bps | |
| Allowance / Loans | 1.41% | 1.39% | 1.39% | 1.37% | 1.36% | 1.36% | 1.40% | 1.42% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.7x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 11.93% | 11.23% | 11.35% | 11.28% | 11.73% | 11.04% | 11.60% | +26 bps | |
| Total Risk-Based Capital | 17.70% | 18.49% | 17.78% | 17.94% | 17.97% | 17.79% | 17.32% | 17.67% | -27 bps | |
| Equity / Assets | 11.45% | 11.73% | 11.15% | 11.07% | 11.35% | 11.47% | 10.84% | 11.70% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.79% | 101.12% | 98.41% | 95.35% | 96.07% | 93.83% | 88.91% | 92.06% | -329 bps | |
| Liquid Assets / Assets | 8.33% | 11.54% | 12.15% | 13.76% | 11.68% | 10.80% | 15.14% | 11.74% | -201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |