Wilmington, OH · Cert 6731
FDIC · 22 branches
Q4 2014
Market Position · Cincinnati, OH-KY-IN · 2014 SOD (annual) · 0.4% share · #16 of 70 inst. · $0.3B of $79.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.58%1 | 0.66% | 0.64% | 0.68% | 0.83% | 0.89% | 0.93% | +29 bps | |
| Return on Equity | 5.66% | 5.35% | 6.00% | 5.79% | 6.21% | 7.41% | 7.66% | 7.82% | +203 bps | |
| Net Interest Margin | 3.23% | 3.12% | 3.12% | 3.13% | 3.20% | 3.27% | 3.45% | 3.44% | +32 bps | |
| Efficiency Ratio | 77.62% | 74.84% | 74.55% | 74.05% | 75.89% | 73.24% | 73.47% | 73.77% | -29 bps | |
| Non-Interest Burden | 2.31% | 2.06% | 2.04% | 2.02% | 2.18% | 2.12% | 2.24% | 2.25% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.42% | -3.98% | -3.65% | -2.02% | -1.91% | -1.15% | 0.71% | 1.63% | +365 bps | |
| Loan Growth (YoY) | 3.41% | 3.46% | 1.13% | -0.67% | -4.38% | -4.78% | -0.80% | 0.02% | +69 bps | |
| Deposit Growth (YoY) | -4.08% | -3.46% | -3.24% | -1.43% | -0.84% | -1.94% | -0.10% | -0.08% | +135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.16% | 0.32% | 2.58% | 0.33% | 0.44% | -0.10% | 0.33% | -225 bps | |
| Allowance / Loans | 1.15% | 1.41% | 1.45% | 1.01% | 1.03% | 0.95% | 0.97% | 0.90% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.44% | 17.80% | 18.23% | 17.35% | 17.85% | 18.04% | 18.00% | 18.48% | +114 bps | |
| Equity / Assets | 10.89% | 10.86% | 11.31% | 10.93% | 10.92% | 11.46% | 11.77% | 12.10% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.70% | 70.85% | 71.87% | 71.39% | 67.21% | 68.80% | 71.36% | 71.46% | +7 bps | |
| Liquid Assets / Assets | 8.70% | 8.44% | 6.45% | 6.57% | 8.82% | 6.16% | 5.08% | 5.77% | -80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |