Columbus, OH · Cert 58041
FDIC · 6 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Columbus, OH · Cert 58041
FDIC · 6 branches
Q1 2015
Market Position · Columbus, OH · 2014 SOD (annual) · 0.2% share · #29 of 60 inst. · $0.1B 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.13% | 0.16% | 0.03% | 0.08% | 0.23% | 0.17% | -0.06% | -8 bps | |
| Return on Equity | 1.55% | 1.69% | 2.11% | 0.33% | 1.04% | 2.99% | 2.16% | -0.76% | -109 bps | |
| Net Interest Margin | 4.39% | 4.23% | 3.98% | 3.71% | 3.61% | 3.49% | 3.37% | 3.40% | -31 bps | |
| Efficiency Ratio | 94.36% | 94.32% | 94.08% | 98.58% | 97.41% | 94.21% | 95.32% | 98.95% | +37 bps | |
| Non-Interest Burden | 3.99% | 3.84% | 3.60% | 3.63% | 3.47% | 3.18% | 3.13% | 3.34% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.04% | 10.55% | 10.07% | 11.88% | 22.22% | 17.09% | 18.60% | 11.09% | -79 bps | |
| Loan Growth (YoY) | 9.03% | 2.79% | -1.77% | 1.01% | 10.39% | 16.54% | 16.91% | 10.82% | +981 bps | |
| Deposit Growth (YoY) | -2.15% | -2.10% | -1.70% | -2.30% | 0.18% | 14.40% | 17.66% | 17.34% | +1,964 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 | 0.25% | 0.24% | 0.22% | 0.10% | 0.11% | 0.15% | 0.18% | 0.13% | +3 bps | |
| Allowance / Loans | 1.26% | 1.26% | 1.28% | 1.22% | 1.14% | 1.09% | 1.07% | 1.09% | -13 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 | 7.35% | n/a | n/a |
| Total Risk-Based Capital | 11.82% | 12.79% | 12.79% | 12.18% | 11.53% | 11.35% | 11.20% | 11.38% | -80 bps | |
| Equity / Assets | 7.32% | 8.33% | 8.38% | 8.09% | 7.73% | 7.33% | 7.22% | 7.39% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.48% | 112.00% | 111.27% | 114.44% | 125.04% | 114.10% | 110.56% | 108.08% | -635 bps | |
| Liquid Assets / Assets | 0.05% | 0.08% | 0.04% | 0.04% | 0.05% | 0.03% | 0.04% | 0.03% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |