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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.73% | 1.17% | 1.03% | 5.12% | 4.04% | 0.60% | 0.59% | -44 bps | |
| Return on Equity | 4.40% | 8.89% | 12.06% | 10.62% | 49.48% | 37.33% | 4.70% | 4.52% | -611 bps | |
| Net Interest Margin | 4.18% | 4.34% | 4.29% | 4.35% | 4.13% | 4.14% | 4.47% | 4.58% | +22 bps | |
| Efficiency Ratio | 90.52% | 90.23% | 92.45% | 91.69% | 90.00% | 89.48% | 90.42% | 90.75% | -94 bps | |
| Non-Interest Burden | 3.39% | 3.50% | 3.61% | 3.58% | 3.13% | 3.11% | 3.53% | 3.66% | +8 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 | 0.16% | -0.09% | -0.25% | 0.03% | 0.04% | 0.06% | 0.14% | 0.01% | -2 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 |