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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.98% | 1.02% | 1.08% | 0.80% | 1.16% | 0.85% | 0.51% | -57 bps | |
| Return on Equity | 8.40% | 9.70% | 9.90% | 10.23% | 7.47% | 10.62% | 7.80% | 4.62% | -561 bps | |
| Net Interest Margin | 4.20% | 4.30% | 4.27% | 4.29% | 4.18% | 4.21% | 4.08% | 4.05% | -24 bps | |
| Efficiency Ratio | 71.93% | 67.27% | 71.26% | 66.22% | 72.06% | 70.99% | 70.35% | 82.28% | +1,606 bps | |
| Non-Interest Burden | 2.93% | 2.77% | 2.96% | 2.74% | 2.91% | 2.91% | 2.77% | 3.29% | +54 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% | 0.17% | 0.05% | -0.01% | 0.12% | 0.00% | 0.05% | -0.03% | -2 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 |