Ashville, OH · Cert 13223
FDIC · 4 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Ashville, OH · Cert 13223
FDIC · 4 branches
Q3 2014
Market Position · Columbus, OH · 2014 SOD (annual) · 0.2% share · #30 of 60 inst. · $0.1B of $53.8B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.07% | 0.17% | 0.26% | 0.86% | 0.44% | 0.35% | 0.23% | -2 bps | |
| Return on Equity | -1.96% | -0.88% | 2.10% | 3.29% | 10.72% | 5.26% | 4.11% | 2.74% | -54 bps | |
| Net Interest Margin | 3.44% | 3.10% | 3.13% | 3.19% | 3.23% | 3.19% | 3.16% | 3.26% | +7 bps | |
| Efficiency Ratio | 99.73% | 98.71% | 93.21% | 91.33% | 92.49% | 83.75% | 83.03% | 85.39% | -594 bps | |
| Non-Interest Burden | 3.43% | 3.06% | 2.88% | 2.86% | 2.94% | 2.53% | 2.50% | 2.68% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.67% | 0.97% | 0.45% | -1.25% | -0.12% | -0.29% | 1.93% | 3.87% | +511 bps | |
| Loan Growth (YoY) | -4.85% | -1.19% | -5.36% | -2.66% | -1.20% | 5.13% | 5.36% | 5.75% | +841 bps | |
| Deposit Growth (YoY) | 0.14% | 2.11% | 1.61% | -1.12% | -0.81% | -1.06% | 2.01% | 4.48% | +560 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 | 0.30% | 0.17% | 0.14% | 0.13% | 0.22% | -0.01% | 0.00% | 0.02% | -11 bps | |
| Allowance / Loans | 1.67% | 1.69% | 1.64% | 1.65% | 1.56% | 1.53% | 1.50% | 1.50% | -15 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 | 14.89% | 14.88% | 14.55% | 14.81% | 15.55% | 14.96% | 15.64% | 15.28% | +47 bps | |
| Equity / Assets | 8.37% | 7.80% | 7.54% | 7.60% | 8.63% | 8.29% | 8.58% | 8.44% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.22% | 63.54% | 68.18% | 67.71% | 68.95% | 67.51% | 70.42% | 68.54% | +83 bps | |
| Liquid Assets / Assets | 3.04% | 9.39% | 2.71% | 11.00% | 11.43% | 14.08% | 14.22% | 12.23% | +123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |