Toledo, OH · Charter 11841
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Toledo, OH · Charter 11841
Q3 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | -0.75% | -1.01% | -0.82% | -0.67% | -0.18% | -0.21% | -4.70% | -388 bps | |
| Return on Equity | -7.74% | -7.98% | -11.06% | -8.85% | -7.30% | -2.01% | -2.29% | -80.57% | -7,172 bps | |
| Net Interest Margin | 2.67% | 2.58% | 2.46% | 2.58% | 2.70% | 2.40% | 2.43% | 2.40% | -18 bps | |
| Efficiency Ratio | 114.23% | 123.13% | 122.48% | 117.05% | 108.69% | 106.04% | 102.86% | 233% | +11,582 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 0.17% | 1.91% | -2.10% | -2.55% | -1.04% | -1.58% | -1.99% | +12 bps | |
| Loan Growth (YoY) | 6.41% | 4.31% | -3.33% | -9.11% | -9.83% | -14.75% | -16.65% | -21.48% | -1,237 bps | |
| Share Growth (YoY) | 5.71% | 1.16% | 3.25% | -1.31% | 1.42% | -0.55% | -1.50% | -0.44% | +86 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.72% | 2.23% | 8.94% | 2.46% | 0.97% | 1.38% | 1.11% | 4.68% | +222 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.45% | 0.40% | 0.53% | 1.14% | 1.27% | 1.54% | 3.13% | +260 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.55% | 9.35% | 9.12% | 9.22% | 9.13% | 8.93% | 9.01% | 5.83% | -339 bps | |
| Net Worth / Assets | 9.55% | 9.35% | 9.12% | 9.22% | 9.13% | 8.93% | 9.01% | 5.83% | -339 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.88% | 34.76% | 34.50% | 35.41% | 32.79% | 29.80% | 29.19% | 27.93% | -748 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |