Worthington, OH · Cert 58445
FDIC · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Worthington, OH · Cert 58445
FDIC · 1 branch
Q1 2018
Market Position · Columbus, OH · 2017 SOD (annual) · 0.4% share · #19 of 53 inst. · $0.3B of $65.7B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.76% | 0.72% | 0.59% | 0.87% | 0.87% | 0.80% | 0.92% | +33 bps | |
| Return on Equity | 9.12% | 8.89% | 8.30% | 6.28% | 9.12% | 9.15% | 8.35% | 9.06% | +278 bps | |
| Net Interest Margin | 3.18% | 3.09% | 3.06% | 3.09% | 3.18% | 3.21% | 3.26% | 3.35% | +27 bps | |
| Efficiency Ratio | 65.98% | 65.95% | 67.25% | 70.75% | 65.37% | 63.69% | 61.31% | 65.93% | -482 bps | |
| Non-Interest Burden | 2.01% | 1.96% | 1.98% | 2.14% | 1.90% | 1.88% | 1.83% | 2.15% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.29% | 1.70% | 7.85% | 7.08% | 3.22% | 7.43% | 2.54% | -0.01% | -709 bps | |
| Loan Growth (YoY) | 2.45% | 4.21% | 8.98% | 7.49% | 13.25% | 13.72% | 5.63% | 0.56% | -693 bps | |
| Deposit Growth (YoY) | 8.83% | 2.78% | 6.05% | 7.85% | 0.92% | 7.40% | 1.36% | -2.66% | -1,051 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.06% | 0.03% | 0.04% | 0.12% | 0.19% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.11% | 0.10% | -0.07% | 0.01% | 0.01% | 0.01% | 0.00% | +7 bps | |
| Allowance / Loans | 1.38% | 1.27% | 1.18% | 1.17% | 1.15% | 1.15% | 1.18% | 1.20% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 18.9x | 39.8x | 32.4x | 9.8x | 6.2x | -12.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.66% | 8.67% | 9.50% | 9.53% | 9.84% | 9.92% | 10.07% | 10.63% | +110 bps | |
| Total Risk-Based Capital | 12.79% | 12.76% | 13.23% | 13.01% | 13.15% | 12.84% | 13.59% | 13.97% | +96 bps | |
| Equity / Assets | 8.43% | 8.75% | 9.35% | 9.45% | 9.69% | 9.68% | 9.92% | 10.34% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.86% | 100.76% | 103.72% | 105.90% | 109.81% | 106.70% | 108.09% | 109.40% | +350 bps | |
| Liquid Assets / Assets | 19.00% | 16.05% | 15.00% | 13.02% | 12.60% | 12.64% | 14.26% | 13.52% | +50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |