Pataskala, OH · Cert 9440
FDIC · 2 branches
Q3 2024
Market Position · Columbus, OH · 2024 SOD (annual) · 0.0% share · #43 of 54 inst. · $0.0B of $105.0B
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.03% | 0.32% | 0.45% | 0.45% | -83 bps | |
| Return on Equity | 27.17% | 20.37% | 5.09% | 7.27% | 7.00% | -2,016 bps | |
| Net Interest Margin | 3.57% | 3.77% | 3.53% | 3.70% | 3.87% | +29 bps | |
| Efficiency Ratio | 70.27% | 74.32% | 90.27% | 85.30% | 84.38% | +1,411 bps | |
| Non-Interest Burden | 2.03% | 2.44% | 3.13% | 3.07% | 3.17% | +114 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.18% | -2.89% | -0.04% | 0.36% | -1.96% | +222 bps | |
| Loan Growth (YoY) | -1.91% | -4.26% | 1.59% | 6.49% | 6.40% | +831 bps | |
| Deposit Growth (YoY) | -5.50% | -4.94% | -1.31% | -0.28% | -4.29% | +120 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.13% | 1.03% | 1.12% | 1.56% | 1.50% | +38 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.03% | 0.03% | 0.02% | 0 bps | |
| Allowance / Loans | 0.75% | 0.75% | 0.75% | 0.76% | 0.77% | +2 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.7x | 0.5x | 0.5x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.02% | 9.54% | 9.36% | 9.24% | 9.38% | +37 bps | |
| Total Risk-Based Capital | 16.34% | 17.32% | 16.90% | 16.77% | 17.39% | +106 bps | |
| Equity / Assets | 4.84% | 6.37% | 6.06% | 6.14% | 7.09% | +225 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.83% | 62.84% | 61.62% | 61.90% | 65.40% | +657 bps | |
| Liquid Assets / Assets | 6.39% | 3.41% | 3.29% | 3.91% | 3.38% | -300 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |