Columbus, OH · Cert 741
FDIC · 1 branch
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, 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.
Columbus, OH · Cert 741
FDIC · 1 branch
Q3 2022
Market Position · Columbus, OH · 2022 SOD (annual) · 0.1% share · #43 of 54 inst. · $0.1B of $100.5B
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 1.47% | 1.15% | 1.14% | 1.06% | 0.95% | 0.56% | 0.62% | -52 bps | |
| Return on Equity | 8.05% | 12.25% | 9.63% | 9.43% | 8.77% | 8.03% | 4.47% | 4.74% | -469 bps | |
| Net Interest Margin | 3.96% | 4.69% | 4.32% | 4.19% | 4.28% | 3.64% | 4.23% | 4.58% | +39 bps | |
| Efficiency Ratio | 76.65% | 68.67% | 72.44% | 73.21% | 75.49% | 82.01% | 88.50% | 85.40% | +1,219 bps | |
| Non-Interest Burden | 2.91% | 3.20% | 3.09% | 3.06% | 3.23% | 2.98% | 3.74% | 3.90% | +85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.56% | 14.10% | -7.06% | -5.00% | 2.14% | -1.65% | -14.40% | -15.88% | -1,087 bps | |
| Loan Growth (YoY) | 10.61% | 6.57% | -14.89% | -19.05% | -13.79% | -16.23% | -8.54% | -3.28% | +1,577 bps | |
| Deposit Growth (YoY) | -0.02% | 14.01% | -3.30% | 3.80% | 11.80% | -1.83% | -14.65% | -18.53% | -2,233 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 | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.27% | 1.40% | 1.48% | 1.46% | 1.35% | 1.34% | 1.34% | -14 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 | 12.45% | 12.38% | 12.19% | 11.98% | 12.16% | 11.41% | 12.95% | 14.29% | +231 bps | |
| Total Risk-Based Capital | 12.45% | 12.38% | 12.19% | 11.98% | 12.16% | 11.41% | 12.95% | 14.29% | +231 bps | |
| Equity / Assets | 12.34% | 11.69% | 11.96% | 12.45% | 11.86% | 11.76% | 14.04% | 14.87% | +242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.67% | 93.08% | 91.10% | 88.16% | 85.33% | 79.43% | 97.62% | 104.67% | +1,651 bps | |
| Liquid Assets / Assets | 3.86% | 9.30% | 17.46% | 18.41% | 20.59% | 23.02% | 11.79% | 5.25% | -1,315 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |