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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.01% | 0.95% | 0.90% | 0.96% | -1 bps | |
| Return on Equity | 8.05% | 8.35% | 7.84% | 7.47% | 7.93% | -12 bps | |
| Net Interest Margin | 3.13% | 3.11% | 3.09% | 3.03% | 3.03% | -10 bps | |
| Efficiency Ratio | 61.24% | 59.39% | 59.96% | 63.06% | 61.34% | +10 bps | |
| Non-Interest Burden | 1.49% | 1.37% | 1.40% | 1.51% | 1.47% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.01% | 2.64% | 2.56% | 3.83% | 3.47% | +46 bps | |
| Loan Growth (YoY) | 5.03% | 3.69% | 4.92% | 4.82% | 4.08% | -95 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.24% | 0.33% | 0.24% | 0.21% | -2 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.95% | 9.10% | 9.23% | 9.16% | 9.34% | +39 bps | |
| Total Risk-Based Capital | 13.27% | 13.49% | 13.42% | 13.56% | 13.75% | +48 bps | |
| Equity / Assets | 12.01% | 12.21% | 12.08% | 12.04% | 12.19% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.41% | 79.25% | 79.48% | 76.44% | 77.52% | -189 bps | |
| Liquid Assets / Assets | 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 |