Maumee, OH · Cert 58317
FDIC · 1 branch
Q3 2019
Market Position · Toledo, OH · 2019 SOD (annual) · 0.2% share · #19 of 27 inst. · $0.0B of $12.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -11.33% | -5.48% | -11.06% | -2.40% | -7.46% | +387 bps | |
| Return on Equity | -219% | -111.43% | -314% | -106.85% | -478% | -25,879 bps | |
| Net Interest Margin | 3.83% | 3.16% | 3.35% | 3.17% | 3.12% | -71 bps | |
| Efficiency Ratio | 170.07% | 140.93% | 165.19% | 112.91% | 182.02% | +1,195 bps | |
| Non-Interest Burden | 15.21% | 8.66% | 13.17% | 5.59% | 10.33% | -488 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -26.46% | -35.99% | -26.02% | -13.76% | -19.92% | +654 bps | |
| Loan Growth (YoY) | -41.63% | -44.44% | -39.08% | -41.26% | -27.15% | +1,448 bps | |
| Deposit Growth (YoY) | -21.91% | -29.62% | -22.94% | -8.68% | -15.62% | +629 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 7.11% | 9.47% | 6.40% | 4.20% | 3.51% | -360 bps | |
| Net Charge-Offs / Loans | -6.03% | -0.10% | 15.45% | -0.03% | 0.35% | +638 bps | |
| Allowance / Loans | 5.26% | 5.48% | 2.82% | 2.90% | 3.27% | -198 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.4x | 0.7x | 0.9x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 4.82% | 4.61% | 2.16% | 2.41% | 0.61% | -420 bps | |
| Total Risk-Based Capital | 11.49% | 10.10% | 5.44% | 6.06% | 2.63% | -887 bps | |
| Equity / Assets | 4.99% | 4.84% | 2.18% | 2.32% | 0.68% | -430 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.38% | 67.33% | 61.34% | 55.26% | 54.72% | -866 bps | |
| Liquid Assets / Assets | 35.62% | 31.80% | 30.22% | 39.44% | 34.54% | -107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |