Cincinnati, OH · Cert 58434
FDIC · 2 branches
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, 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.
Cincinnati, OH · Cert 58434
FDIC · 2 branches
Q4 2022
Market Position · Cincinnati, OH-KY-IN · 2022 SOD (annual) · 0.1% share · #25 of 58 inst. · $0.2B of $170.6B
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.84% | 2.00% | 1.97% | 1.96% | 1.15% | 1.29% | 1.33% | 1.27% | -69 bps | |
| Return on Equity | 19.70% | 20.15% | 19.17% | 18.70% | 10.37% | 11.76% | 12.17% | 11.66% | -704 bps | |
| Net Interest Margin | 4.46% | 4.40% | 4.27% | 3.84% | 3.49% | 3.61% | 3.58% | 3.84% | 0 bps | |
| Efficiency Ratio | 50.96% | 50.56% | 51.44% | 51.51% | 59.91% | 57.75% | 56.59% | 58.70% | +718 bps | |
| Non-Interest Burden | 1.75% | 1.73% | 1.95% | 1.79% | 1.93% | 1.92% | 1.86% | 2.08% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.27% | -8.74% | -11.06% | -11.05% | -6.36% | 8.38% | 9.69% | 4.35% | +1,540 bps | |
| Loan Growth (YoY) | 48.41% | -10.31% | -17.02% | -10.32% | -18.15% | -2.66% | 4.81% | 2.21% | +1,253 bps | |
| Deposit Growth (YoY) | 19.69% | -1.81% | 9.43% | 5.69% | 10.42% | 15.67% | 11.45% | 3.02% | -268 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | 0.00% | 0.03% | 0.02% | +1 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.02% | 0.03% | 0.02% | 0.05% | -0.01% | 0.00% | 0.03% | +1 bps | |
| Allowance / Loans | 1.11% | 1.29% | 1.35% | 1.35% | 1.38% | 1.38% | 1.38% | 1.38% | +3 bps | |
| Allowance Coverage of NPLs | 55.4x | 74.3x | 65.7x | 85.4x | 128.5x | 286.7x | 53.7x | 64.2x | -21.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.71% | 11.08% | 11.16% | 10.52% | 11.11% | 11.47% | 10.86% | 11.52% | +100 bps | |
| Total Risk-Based Capital | 14.94% | 15.62% | 15.43% | 14.96% | 15.17% | 15.35% | 14.70% | 14.63% | -33 bps | |
| Equity / Assets | 9.33% | 11.17% | 11.49% | 11.47% | 10.75% | 10.82% | 10.60% | 10.95% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.43% | 103.58% | 94.81% | 95.01% | 87.04% | 87.16% | 89.16% | 94.27% | -75 bps | |
| Liquid Assets / Assets | 2.15% | 2.50% | 6.47% | 6.30% | 11.89% | 10.51% | 7.09% | 2.50% | -380 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |