Akron, OH · Cert 13675
FDIC · 361 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Akron, OH · Cert 13675
FDIC · 361 branches
Q2 2016
Market Position · Akron, OH · 2016 SOD (annual) · 32.0% share · #1 of 29 inst. · $4.6B of $14.5B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.05% | 0.98% | 0.97% | 0.99% | 0.98% | 0.90% | 0.93% | -4 bps | |
| Return on Equity | 8.97% | 9.01% | 8.19% | 8.14% | 8.21% | 8.12% | 7.47% | 7.70% | -43 bps | |
| Net Interest Margin | 3.34% | 3.30% | 3.19% | 3.14% | 3.12% | 3.10% | 3.03% | 3.02% | -12 bps | |
| Efficiency Ratio | 60.09% | 59.88% | 60.58% | 60.91% | 60.40% | 60.29% | 63.06% | 62.20% | +129 bps | |
| Non-Interest Burden | 1.63% | 1.60% | 1.51% | 1.49% | 1.45% | 1.43% | 1.51% | 1.48% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | 4.28% | 2.55% | 3.01% | 2.64% | 2.56% | 3.83% | 3.47% | +46 bps | |
| Loan Growth (YoY) | 7.22% | 7.56% | 6.27% | 5.03% | 3.69% | 4.92% | 4.82% | 4.08% | -95 bps | |
| Deposit Growth (YoY) | -0.46% | -0.04% | 0.46% | 1.76% | 2.04% | 2.88% | 5.94% | 6.61% | +485 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 | 0.39% | 0.34% | 0.25% | 0.24% | 0.24% | 0.26% | 0.24% | 0.23% | -1 bps | |
| Allowance / Loans | 0.92% | 0.94% | 0.95% | 0.94% | 0.97% | 0.96% | 0.94% | 0.92% | -3 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 | 8.87% | 8.95% | 9.10% | 9.23% | 9.16% | 9.34% | +39 bps | |
| Total Risk-Based Capital | 12.57% | 14.55% | 13.38% | 13.27% | 13.49% | 13.42% | 13.56% | 13.75% | +48 bps | |
| Equity / Assets | 11.79% | 11.79% | 12.03% | 12.01% | 12.21% | 12.08% | 12.04% | 12.19% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.99% | 77.93% | 77.25% | 79.41% | 79.25% | 79.48% | 76.44% | 77.52% | -189 bps | |
| Liquid Assets / Assets | 12.44% | 12.54% | 11.78% | 11.49% | 11.03% | 10.81% | 11.68% | 10.01% | -147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |