Bexley, OH · Cert 58022
FDIC · 1 branch
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Bexley, OH · Cert 58022
FDIC · 1 branch
Q2 2014
Market Position · Columbus, OH · 2014 SOD (annual) · 0.5% share · #17 of 60 inst. · $0.3B 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.27% | 1.90% | 1.55% | 1.46% | 1.25% | 1.07% | 0.89% | -66 bps | |
| Return on Equity | 14.02% | 14.47% | 22.94% | 18.89% | 18.14% | 15.72% | 14.05% | 11.71% | -718 bps | |
| Net Interest Margin | 3.89% | 3.75% | 4.00% | 3.74% | 3.79% | 3.56% | 3.85% | 3.87% | +13 bps | |
| Efficiency Ratio | 52.71% | 52.84% | 50.97% | 53.31% | 51.63% | 56.02% | 61.88% | 68.80% | +1,549 bps | |
| Non-Interest Burden | 1.36% | 1.18% | 1.11% | 1.25% | 1.27% | 1.48% | 2.16% | 2.38% | +113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.45% | 23.54% | 34.28% | 26.94% | 32.03% | 34.36% | 17.98% | 21.68% | -526 bps | |
| Loan Growth (YoY) | 38.94% | 32.38% | 35.60% | 30.39% | 28.58% | 29.29% | 23.75% | 26.28% | -411 bps | |
| Deposit Growth (YoY) | 31.11% | 24.35% | 35.92% | 27.62% | 33.35% | 35.80% | 14.05% | 6.00% | -2,162 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 | 0.70% | 0.64% | 0.12% | 0.11% | 0.23% | 0.17% | 0.00% | 0.15% | +4 bps | |
| Allowance / Loans | 1.18% | 1.31% | 1.17% | 1.22% | 1.24% | 1.23% | 1.19% | 1.01% | -21 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 | 11.87% | 12.01% | 11.52% | 11.28% | 10.94% | 10.72% | 10.59% | 10.01% | -127 bps | |
| Equity / Assets | 8.52% | 8.62% | 8.00% | 8.02% | 7.69% | 7.52% | 7.78% | 7.53% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.22% | 100.94% | 96.30% | 100.12% | 95.67% | 96.11% | 104.49% | 119.28% | +1,916 bps | |
| Liquid Assets / Assets | 0.19% | 0.33% | 0.27% | 0.43% | 0.34% | 0.63% | 0.61% | 0.52% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |