Highland Hgts, OH · Charter 12024
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.12% | -8.82% | -14.63% | -15.23% | -12.38% | -0.62% | -7.56% | +706 bps | |
| Return on Equity | -4.59% | -1.20% | -108.53% | -387% | -2965% | n/a | -14.57% | -862% | -47,419 bps | |
| Net Interest Margin | 3.09% | 3.23% | 3.49% | 3.19% | 3.39% | 3.41% | 2.83% | 2.85% | -34 bps | |
| Efficiency Ratio | 88.60% | 82.65% | 78.88% | 100.46% | 108.92% | 109.10% | 120.13% | 135.81% | +3,535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.51% | 10.98% | 8.15% | -6.30% | -11.33% | -14.21% | -9.01% | -7.16% | -86 bps | |
| Loan Growth (YoY) | 52.56% | 15.93% | 5.45% | -5.66% | -17.68% | -22.87% | -23.09% | -25.66% | -2,000 bps | |
| Share Growth (YoY) | 18.76% | 14.91% | 11.86% | 0.54% | -1.79% | -4.01% | -5.20% | -4.69% | -523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 7.02% | 5.33% | 5.89% | 9.91% | 11.73% | 10.59% | 7.20% | +131 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 | 0.68% | 0.98% | 1.86% | 6.10% | 10.02% | 11.09% | 10.76% | 12.51% | +641 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.35% | 10.38% | 8.13% | 3.77% | 0.51% | -0.28% | 4.28% | 0.88% | -290 bps | |
| Net Worth / Assets | 10.35% | 10.38% | 8.13% | 3.77% | 0.51% | -0.28% | 4.28% | 0.88% | -290 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.91% | 74.20% | 66.84% | 63.83% | 63.62% | 59.63% | 54.23% | 49.78% | -1,405 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |