Bucyrus, OH · Cert 10267
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Bucyrus, OH · Cert 10267
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.86% | 0.88% | 0.93% | 1.00% | 0.85%1 | 0.87% | 0.63% | -30 bps | |
| Return on Equity | 8.11% | 9.56% | 9.71% | 10.12% | 10.84% | 9.41% | 9.91% | 7.31% | -281 bps | |
| Net Interest Margin | 3.10% | 3.46% | 3.46% | 3.45% | 3.41% | 3.34% | 3.37% | 3.37% | -7 bps | |
| Efficiency Ratio | 72.84% | 68.84% | 70.28% | 69.78% | 70.70% | 80.57% | 75.66% | 81.65% | +1,187 bps | |
| Non-Interest Burden | 2.11% | 2.14% | 2.21% | 2.17% | 2.17% | 2.57% | 2.38% | 2.64% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.26% | 2.14% | -0.41% | 1.14% | 3.06% | 5.70% | 2.59% | 3.26% | +212 bps | |
| Loan Growth (YoY) | 9.29% | 12.35% | 23.01% | 23.79% | 16.64% | 13.78% | 9.28% | 4.74% | -1,906 bps | |
| Deposit Growth (YoY) | 0.91% | 2.48% | 3.20% | 1.48% | 3.46% | 8.02% | 4.89% | 6.07% | +460 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 | 0.33% | 0.13% | -0.28% | -0.16% | -0.09% | 1.46% | 0.69% | 0.45% | +61 bps | |
| Allowance / Loans | 1.27% | 1.28% | 1.39% | 1.31% | 1.35% | 1.14% | 1.11% | 1.08% | -23 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 | 15.22% | 15.16% | 14.86% | 14.54% | 15.13% | 15.09% | 14.49% | 14.43% | -11 bps | |
| Equity / Assets | 8.84% | 9.08% | 9.34% | 9.48% | 9.23% | 8.85% | 8.34% | 8.19% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.03% | 68.35% | 74.48% | 78.12% | 74.44% | 72.00% | 77.59% | 77.14% | -98 bps | |
| Liquid Assets / Assets | 0.92% | 1.16% | 1.44% | 1.42% | 2.66% | 2.14% | 0.20% | 1.37% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |