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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 0.40% | 0.48% | 1.28% | 1.03% | 0.32% | 0.45% | 0.45% | -83 bps | |
| Return on Equity | 28.18% | 8.72% | 10.29% | 27.17% | 20.37% | 5.09% | 7.27% | 7.00% | -2,016 bps | |
| Net Interest Margin | 3.32% | 3.31% | 3.45% | 3.57% | 3.77% | 3.53% | 3.70% | 3.87% | +29 bps | |
| Efficiency Ratio | 69.32% | 87.21% | 86.23% | 70.27% | 74.32% | 90.27% | 85.30% | 84.38% | +1,411 bps | |
| Non-Interest Burden | 1.72% | 2.81% | 2.89% | 2.03% | 2.44% | 3.13% | 3.07% | 3.17% | +114 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.74% | -5.86% | -7.16% | -4.18% | -2.89% | -0.04% | 0.36% | -1.96% | +222 bps | |
| Loan Growth (YoY) | 28.31% | 18.08% | 0.48% | -1.91% | -4.26% | 1.59% | 6.49% | 6.40% | +831 bps | |
| Deposit Growth (YoY) | -3.82% | -6.09% | -7.84% | -5.50% | -4.94% | -1.31% | -0.28% | -4.29% | +120 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.50% | 1.50% | 0.60% | 1.13% | 1.03% | 1.12% | 1.56% | 1.50% | +38 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.00% | 0.00% | 0.02% | 0.04% | 0.03% | 0.03% | 0.02% | 0 bps | |
| Allowance / Loans | 0.65% | 0.70% | 0.75% | 0.75% | 0.75% | 0.75% | 0.76% | 0.77% | +2 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 1.3x | 0.7x | 0.7x | 0.7x | 0.5x | 0.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.99% | 8.25% | 8.36% | 9.02% | 9.54% | 9.36% | 9.24% | 9.38% | +37 bps | |
| Total Risk-Based Capital | 14.51% | 14.93% | 15.48% | 16.34% | 17.32% | 16.90% | 16.77% | 17.39% | +106 bps | |
| Equity / Assets | 4.36% | 4.87% | 4.80% | 4.84% | 6.37% | 6.06% | 6.14% | 7.09% | +225 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.40% | 59.87% | 57.96% | 58.83% | 62.84% | 61.62% | 61.90% | 65.40% | +657 bps | |
| Liquid Assets / Assets | 4.78% | 8.19% | 7.40% | 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 | n/a | n/a | n/a |