Dayton, OH · Cert 35302
FDIC · 3 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Dayton, OH · Cert 35302
FDIC · 3 branches
Q4 2014
Market Position · Dayton, OH · 2014 SOD (annual) · 0.9% share · #13 of 26 inst. · $0.1B of $10.5B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.91% | 0.95% | 0.98% | 0.80% | 0.98% | 0.94% | 0.83% | -15 bps | |
| Return on Equity | 8.40% | 9.05% | 9.33% | 9.56% | 7.47% | 9.06% | 8.64% | 7.63% | -193 bps | |
| Net Interest Margin | 4.20% | 4.28% | 4.31% | 4.26% | 4.18% | 4.15% | 4.10% | 4.08% | -18 bps | |
| Efficiency Ratio | 71.93% | 69.59% | 70.13% | 69.15% | 72.06% | 71.52% | 71.13% | 73.87% | +472 bps | |
| Non-Interest Burden | 2.93% | 2.87% | 2.93% | 2.85% | 2.91% | 2.88% | 2.82% | 2.93% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.96% | -2.43% | -1.47% | -5.34% | -1.85% | -0.01% | 4.57% | 0.87% | +621 bps | |
| Loan Growth (YoY) | 1.06% | 0.59% | 3.70% | 7.07% | 5.30% | 5.62% | 3.51% | 1.54% | -553 bps | |
| Deposit Growth (YoY) | -9.89% | -3.31% | -2.12% | -6.31% | -2.62% | -0.99% | 4.18% | 0.22% | +653 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 | -0.04% | 0.07% | 0.06% | 0.04% | 0.12% | 0.06% | 0.05% | 0.03% | -1 bps | |
| Allowance / Loans | 1.80% | 1.78% | 1.71% | 1.68% | 1.70% | 1.71% | 1.66% | 1.67% | -2 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 | 14.73% | 15.19% | 14.58% | 15.25% | 15.61% | 15.82% | 15.69% | 15.79% | +54 bps | |
| Equity / Assets | 10.12% | 10.10% | 10.52% | 10.65% | 10.81% | 10.94% | 10.89% | 11.27% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.21% | 76.37% | 82.74% | 84.67% | 82.40% | 81.46% | 82.20% | 85.78% | +111 bps | |
| Liquid Assets / Assets | 13.40% | 13.54% | 8.25% | 10.66% | 13.70% | 14.87% | 15.04% | 10.36% | -30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |