PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank One Dayton NA

Dayton, OH · Cert 6570

FDIC

Q1 1997

$4.7BAssets
$4.1BLoans
$3.3BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.76%, up 4 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 123.19% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.76%+4 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.94%1.84%1.59%1.72%1.71%1.24%0.97%1.76%+4 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)1.44%4.87%18.97%19.95%24.96%26.93%24.96%17.20%-275 bps
Loan Growth (YoY)19.37%22.27%29.21%29.56%33.71%32.44%24.74%16.74%-1,282 bps
Deposit Growth (YoY)15.23%6.66%4.04%1.42%6.18%16.55%11.60%32.13%+3,071 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits108.00%115.34%120.55%139.43%136.00%131.07%134.75%123.19%-1,624 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a