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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.35% | 1.90% | 1.20% | 1.31% | 0.68% | 1.07% | 0.72% | -48 bps | |
| Return on Equity | 13.50% | 15.75% | 22.94% | 14.96% | 16.73% | 8.92% | 14.05% | 9.44% | -552 bps | |
| Net Interest Margin | 4.20% | 4.04% | 4.00% | 3.84% | 4.18% | 3.78% | 3.85% | 4.07% | +24 bps | |
| Efficiency Ratio | 51.40% | 53.12% | 50.97% | 55.70% | 48.46% | 69.92% | 61.88% | 74.31% | +1,861 bps | |
| Non-Interest Burden | 1.17% | 0.88% | 1.11% | 1.50% | 1.39% | 2.42% | 2.16% | 2.71% | +121 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 | 0.32% | 0.53% | 0.12% | 0.11% | 0.50% | 0.00% | 0.00% | 0.30% | +19 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 |