Columbus, OH · Cert 58215
FDIC · 1 branch
Q2 2014
Market Position · Columbus, OH · 2014 SOD (annual) · 0.3% share · #22 of 60 inst. · $0.2B 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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.78% | 0.61% | 0.18% | 0.54% | -30 bps | |
| Return on Equity | 6.80% | 6.37% | 5.04% | 1.65% | 5.40% | -140 bps | |
| Net Interest Margin | 3.32% | 3.22% | 3.25% | 3.58% | 3.46% | +15 bps | |
| Efficiency Ratio | 69.10% | 71.09% | 74.71% | 81.31% | 70.27% | +117 bps | |
| Non-Interest Burden | 1.98% | 2.03% | 2.24% | 2.85% | 2.29% | +31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.71% | 11.18% | 13.94% | 24.26% | 24.32% | +161 bps | |
| Loan Growth (YoY) | 14.14% | 7.61% | 25.27% | 28.59% | 32.98% | +1,884 bps | |
| Deposit Growth (YoY) | 26.97% | 12.67% | 16.23% | 10.09% | 8.37% | -1,860 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.05% | 0.04% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.41% | 1.34% | 1.28% | 1.25% | 1.27% | -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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.43% | 16.83% | 15.38% | 14.43% | 11.68% | -575 bps | |
| Equity / Assets | 11.97% | 12.18% | 11.54% | 10.51% | 8.35% | -362 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.27% | 99.87% | 102.65% | 119.13% | 119.35% | +2,209 bps | |
| Liquid Assets / Assets | 17.06% | 15.21% | 12.16% | 11.48% | 11.95% | -511 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |