Gahanna, OH · Cert 57949
FDIC · 2 branches
Q2 2017
Market Position · Columbus, OH · 2017 SOD (annual) · 0.2% share · #26 of 53 inst. · $0.1B of $65.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 1.88% | 1.17% | 0.91% | 12.82% | 0.90% | 0.60% | 0.58% | -33 bps | |
| Return on Equity | 7.18% | 21.28% | 12.06% | 9.22% | 117.39% | 7.32% | 4.70% | 4.34% | -488 bps | |
| Net Interest Margin | 4.34% | 4.35% | 4.29% | 4.42% | 4.26% | 4.30% | 4.47% | 4.59% | +18 bps | |
| Efficiency Ratio | 86.93% | 89.39% | 92.45% | 90.96% | 87.17% | 87.92% | 90.42% | 91.10% | +14 bps | |
| Non-Interest Burden | 3.16% | 3.44% | 3.61% | 3.56% | 2.86% | 3.13% | 3.53% | 3.73% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.40% | -1.86% | -5.55% | -1.02% | 7.27% | 8.18% | 8.46% | -1.27% | -25 bps | |
| Loan Growth (YoY) | 8.19% | 4.04% | -5.39% | -0.56% | 6.14% | 7.51% | 5.69% | -2.96% | -241 bps | |
| Deposit Growth (YoY) | 6.27% | 0.45% | -5.39% | -5.99% | 2.95% | -0.17% | 0.29% | -6.10% | -11 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.37% | 0.33% | +33 bps | |
| Net Charge-Offs / Loans | 0.15% | -0.88% | -0.25% | 0.30% | 0.07% | 0.11% | 0.14% | -0.13% | -43 bps | |
| Allowance / Loans | 1.39% | 1.48% | 1.38% | 1.21% | 1.15% | 1.08% | 1.01% | 1.03% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 2.7x | 3.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.11% | 9.37% | 9.87% | 10.09% | 10.33% | 10.59% | 11.45% | 11.90% | +181 bps | |
| Total Risk-Based Capital | 10.15% | 12.13% | 12.42% | 13.39% | 14.68% | 15.87% | 15.71% | 16.89% | +350 bps | |
| Equity / Assets | 8.22% | 9.48% | 9.94% | 9.73% | 12.02% | 12.66% | 13.00% | 13.79% | +406 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.43% | 92.80% | 98.53% | 103.72% | 96.33% | 99.94% | 103.84% | 107.18% | +346 bps | |
| Liquid Assets / Assets | 7.37% | 11.05% | 7.60% | 7.15% | 8.34% | 9.38% | 8.76% | 7.20% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |