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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.99% | 1.15% | 1.42% | 1.38% | 1.08% | -91 bps | |
| Return on Equity | 17.32% | 10.37% | 13.20% | 12.91% | 10.06% | -726 bps | |
| Net Interest Margin | 3.63% | 3.49% | 3.84% | 3.78% | 3.96% | +33 bps | |
| Efficiency Ratio | 51.73% | 59.91% | 55.81% | 54.46% | 64.73% | +1,300 bps | |
| Non-Interest Burden | 1.66% | 1.93% | 1.98% | 1.87% | 2.41% | +75 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.05% | -6.36% | 8.38% | 9.69% | 4.35% | +1,540 bps | |
| Loan Growth (YoY) | -10.32% | -18.15% | -2.66% | 4.81% | 2.21% | +1,253 bps | |
| Deposit Growth (YoY) | 5.69% | 10.42% | 15.67% | 11.45% | 3.02% | -268 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.00% | 0.03% | 0.02% | +1 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.05% | -0.08% | 0.03% | 0.13% | +14 bps | |
| Allowance / Loans | 1.35% | 1.38% | 1.38% | 1.38% | 1.38% | +3 bps | |
| Allowance Coverage of NPLs | 85.4x | 128.5x | 286.7x | 53.7x | 64.2x | -21.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.52% | 11.11% | 11.47% | 10.86% | 11.52% | +100 bps | |
| Total Risk-Based Capital | 14.96% | 15.17% | 15.35% | 14.70% | 14.63% | -33 bps | |
| Equity / Assets | 11.47% | 10.75% | 10.82% | 10.60% | 10.95% | -52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.01% | 87.04% | 87.16% | 89.16% | 94.27% | -75 bps | |
| Liquid Assets / Assets | 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 |