Dublin, OH · Cert 57550
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Dublin, OH · Cert 57550
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.20% | 0.33% | 0.31% | 0.58% | 0.76% | 0.80% | 0.75% | +45 bps | |
| Return on Equity | 0.76% | 1.42% | 2.34% | 2.14% | 3.95% | 5.19% | 5.55% | 5.31% | +317 bps | |
| Net Interest Margin | 3.19% | 3.29% | 3.50% | 3.63% | 3.93% | 4.08% | 4.02% | 3.94% | +31 bps | |
| Efficiency Ratio | 75.41% | 73.98% | 71.61% | 72.17% | 77.44% | 71.56% | 68.91% | 68.94% | -323 bps | |
| Non-Interest Burden | 2.27% | 2.35% | 2.43% | 2.55% | 3.03% | 2.90% | 2.75% | 2.69% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.12% | 12.80% | 6.69% | -1.05% | -5.47% | 0.48% | 2.46% | 8.48% | +953 bps | |
| Loan Growth (YoY) | -1.64% | 7.11% | 7.86% | 5.06% | 6.08% | 9.25% | 11.07% | 18.62% | +1,356 bps | |
| Deposit Growth (YoY) | 7.60% | 13.61% | 7.02% | 1.59% | -3.74% | 4.23% | 5.51% | 9.68% | +809 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 | 0.43% | 0.20% | 0.64% | 0.74% | 0.21% | 0.59% | 0.38% | 0.38% | -36 bps | |
| Allowance / Loans | 4.30% | 4.16% | 3.85% | 4.09% | 4.10% | 3.43% | 3.41% | 3.30% | -79 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 | 14.85% | 14.66% | 14.71% | 15.45% | 15.80% | 14.39% | 14.49% | 13.76% | -169 bps | |
| Equity / Assets | 13.73% | 14.31% | 14.43% | 14.70% | 14.89% | 14.14% | 13.88% | 13.50% | -121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.44% | 86.63% | 87.07% | 86.03% | 85.34% | 90.80% | 91.65% | 93.04% | +701 bps | |
| Liquid Assets / Assets | 8.02% | 6.40% | 5.73% | 5.62% | 5.97% | 1.53% | 3.51% | 4.08% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |