Ada, OH · Cert 6516
FDIC · 6 branches
Q3 2022
Market Position · Columbus, OH · 2022 SOD (annual) · 0.0% share · #45 of 54 inst. · $0.0B of $100.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.58% | 1.42% | 1.06% | 0.85% | 0.94% | 1.20% | 0.95% | -11 bps | |
| Return on Equity | 7.03% | 12.50% | 11.53% | 8.63% | 6.78% | 7.47% | 9.84% | 7.86% | -78 bps | |
| Net Interest Margin | 3.99% | 3.80% | 3.86% | 3.79% | 3.71% | 3.22% | 3.70% | 3.86% | +7 bps | |
| Efficiency Ratio | 57.13% | 56.72% | 56.44% | 66.47% | 72.18% | 69.18% | 63.32% | 71.55% | +508 bps | |
| Non-Interest Burden | 1.77% | 1.82% | 1.95% | 2.38% | 2.55% | 2.12% | 2.19% | 2.66% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.05% | 21.52% | 8.62% | 9.83% | 8.94% | 2.61% | -2.84% | -4.29% | -1,412 bps | |
| Loan Growth (YoY) | 19.01% | 18.80% | 11.67% | 2.13% | -5.26% | -7.74% | -13.11% | -5.79% | -792 bps | |
| Deposit Growth (YoY) | 17.09% | 26.69% | 16.07% | 15.95% | 15.73% | 5.66% | -0.10% | -1.66% | -1,761 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.00% | 0.00% | 0.09% | 0.00% | 0.00% | 0.00% | 0.05% | -5 bps | |
| Net Charge-Offs / Loans | -0.16% | 0.04% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.03% | +5 bps | |
| Allowance / Loans | 1.30% | 1.29% | 1.29% | 1.40% | 1.53% | 1.53% | 1.58% | 1.52% | +12 bps | |
| Allowance Coverage of NPLs | 4.9x | n/a | n/a | 15.2x | 377.7x | 378.1x | 378.6x | 32.5x | +17.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.42% | 11.95% | 12.00% | 11.80% | 11.96% | 11.80% | 12.87% | 13.14% | +134 bps | |
| Total Risk-Based Capital | 17.46% | 17.21% | 16.71% | 17.07% | 17.80% | 17.62% | 18.29% | 18.21% | +113 bps | |
| Equity / Assets | 12.95% | 12.39% | 12.22% | 12.39% | 12.74% | 12.31% | 12.04% | 12.18% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.31% | 89.27% | 88.51% | 83.54% | 78.84% | 77.94% | 76.98% | 80.03% | -351 bps | |
| Liquid Assets / Assets | 1.50% | 1.54% | 1.50% | 1.58% | 1.56% | 1.54% | 1.58% | 1.59% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |