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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | -0.85% | -0.34% | -0.13% | -0.12% | -44 bps | |
| Return on Equity | 4.05% | -11.37% | -4.75% | -1.89% | -1.72% | -577 bps | |
| Net Interest Margin | 3.41% | 3.41% | 3.03% | 3.08% | 3.06% | -35 bps | |
| Efficiency Ratio | 88.91% | 87.39% | 111.22% | 104.16% | 104.05% | +1,514 bps | |
| Non-Interest Burden | 2.98% | 2.94% | 3.37% | 3.21% | 3.18% | +21 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 | 0.78% | -0.03% | 0.00% | -0.03% | 0.00% | -78 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 |