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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.62% | -8.79% | -6.05% | -11.33% | -5.48% | -11.06% | -2.40% | -7.46% | +387 bps | |
| Return on Equity | -57.50% | -127.99% | -103.21% | -219% | -111.43% | -314% | -106.85% | -478% | -25,879 bps | |
| Net Interest Margin | 3.12% | 3.36% | 3.16% | 3.83% | 3.16% | 3.35% | 3.17% | 3.12% | -71 bps | |
| Efficiency Ratio | 105.38% | 115.95% | 115.06% | 170.07% | 140.93% | 165.19% | 112.91% | 182.02% | +1,195 bps | |
| Non-Interest Burden | 5.86% | 11.14% | 8.55% | 15.21% | 8.66% | 13.17% | 5.59% | 10.33% | -488 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.53% | -10.17% | -18.89% | -26.46% | -35.99% | -26.02% | -13.76% | -19.92% | +654 bps | |
| Loan Growth (YoY) | 2.73% | -19.91% | -14.45% | -41.63% | -44.44% | -39.08% | -41.26% | -27.15% | +1,448 bps | |
| Deposit Growth (YoY) | 7.67% | -7.80% | -14.05% | -21.91% | -29.62% | -22.94% | -8.68% | -15.62% | +629 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.41% | 7.13% | 5.58% | 7.11% | 9.47% | 6.40% | 4.20% | 3.51% | -360 bps | |
| Net Charge-Offs / Loans | -0.24% | 0.07% | 3.48% | -6.03% | -0.10% | 15.45% | -0.03% | 0.35% | +638 bps | |
| Allowance / Loans | 2.39% | 3.31% | 2.62% | 5.26% | 5.48% | 2.82% | 2.90% | 3.27% | -198 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.7x | 0.6x | 0.4x | 0.7x | 0.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.49% | 5.81% | 5.07% | 4.82% | 4.61% | 2.16% | 2.41% | 0.61% | -420 bps | |
| Total Risk-Based Capital | 16.02% | 13.63% | 10.46% | 11.49% | 10.10% | 5.44% | 6.06% | 2.63% | -887 bps | |
| Equity / Assets | 7.33% | 6.33% | 5.35% | 4.99% | 4.84% | 2.18% | 2.32% | 0.68% | -430 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.28% | 77.60% | 85.91% | 63.38% | 67.33% | 61.34% | 55.26% | 54.72% | -866 bps | |
| Liquid Assets / Assets | 23.49% | 25.64% | 17.71% | 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 | n/a | n/a | n/a |