Columbus, OH · Cert 57413
FDIC · 3 branches
Q2 2014
Market Position · Columbus, OH · 2014 SOD (annual) · 0.2% share · #27 of 60 inst. · $0.1B 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | -0.02% | -0.10% | -0.13% | -0.13% | -51 bps | |
| Return on Equity | 4.76% | -0.23% | -1.26% | -1.89% | -1.80% | -656 bps | |
| Net Interest Margin | 3.44% | 3.48% | 3.35% | 3.08% | 3.07% | -37 bps | |
| Efficiency Ratio | 88.50% | 88.15% | 92.81% | 104.16% | 104.11% | +1,561 bps | |
| Non-Interest Burden | 2.98% | 3.01% | 3.08% | 3.21% | 3.20% | +22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.40% | -7.36% | -7.01% | -6.94% | -1.53% | +487 bps | |
| Loan Growth (YoY) | -15.54% | -15.22% | -14.71% | -14.27% | -7.91% | +763 bps | |
| Deposit Growth (YoY) | -6.23% | -8.33% | -9.49% | -9.57% | -4.26% | +198 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.41% | 0.28% | 0.21% | -0.03% | -0.01% | -43 bps | |
| Allowance / Loans | 1.45% | 1.50% | 1.53% | 1.58% | 1.59% | +14 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 | 15.49% | 15.85% | 16.05% | 15.89% | 15.59% | +10 bps | |
| Equity / Assets | 7.69% | 7.23% | 7.12% | 7.14% | 7.09% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.60% | 74.84% | 74.47% | 73.88% | 73.68% | -292 bps | |
| Liquid Assets / Assets | 2.11% | 14.87% | 32.05% | 30.10% | 30.91% | +2,879 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |