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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.87% | 0.87% | 0.80% | 0.92% | +33 bps | |
| Return on Equity | 6.28% | 9.12% | 9.15% | 8.35% | 9.06% | +278 bps | |
| Net Interest Margin | 3.09% | 3.18% | 3.21% | 3.26% | 3.35% | +27 bps | |
| Efficiency Ratio | 70.75% | 65.37% | 63.69% | 61.31% | 65.93% | -482 bps | |
| Non-Interest Burden | 2.14% | 1.90% | 1.88% | 1.83% | 2.15% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.08% | 3.22% | 7.43% | 2.54% | -0.01% | -709 bps | |
| Loan Growth (YoY) | 7.49% | 13.25% | 13.72% | 5.63% | 0.56% | -693 bps | |
| Deposit Growth (YoY) | 7.85% | 0.92% | 7.40% | 1.36% | -2.66% | -1,051 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.03% | 0.04% | 0.12% | 0.19% | +13 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.01% | 0.01% | 0.01% | 0.00% | +7 bps | |
| Allowance / Loans | 1.17% | 1.15% | 1.15% | 1.18% | 1.20% | +3 bps | |
| Allowance Coverage of NPLs | 18.9x | 39.8x | 32.4x | 9.8x | 6.2x | -12.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.53% | 9.84% | 9.92% | 10.07% | 10.63% | +110 bps | |
| Total Risk-Based Capital | 13.01% | 13.15% | 12.84% | 13.59% | 13.97% | +96 bps | |
| Equity / Assets | 9.45% | 9.69% | 9.68% | 9.92% | 10.34% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.90% | 109.81% | 106.70% | 108.09% | 109.40% | +350 bps | |
| Liquid Assets / Assets | 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 |