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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.14% | 0.52% | -0.02% | -0.06% | -8 bps | |
| Return on Equity | 0.33% | 1.75% | 6.84% | -0.32% | -0.76% | -109 bps | |
| Net Interest Margin | 3.71% | 3.70% | 3.61% | 3.50% | 3.40% | -31 bps | |
| Efficiency Ratio | 98.58% | 96.30% | 88.18% | 98.53% | 98.95% | +37 bps | |
| Non-Interest Burden | 3.63% | 3.49% | 2.95% | 3.42% | 3.34% | -28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.88% | 22.22% | 17.09% | 18.60% | 11.09% | -79 bps | |
| Loan Growth (YoY) | 1.01% | 10.39% | 16.54% | 16.91% | 10.82% | +981 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.12% | 0.24% | 0.27% | 0.13% | +3 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 7.35% | n/a | n/a |
| Total Risk-Based Capital | 12.18% | 11.53% | 11.35% | 11.20% | 11.38% | -80 bps | |
| Equity / Assets | 8.09% | 7.73% | 7.33% | 7.22% | 7.39% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 114.44% | 125.04% | 114.10% | 110.56% | 108.08% | -635 bps | |
| Liquid Assets / Assets | 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 |