Springfield, OH · Charter 14444
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | -0.16% | -0.05% | -2.05% | -3.07% | -4.05% | -8.11% | -6.18% | -413 bps | |
| Return on Equity | 4.51% | -1.87% | -0.54% | -22.83% | -44.73% | -70.34% | -257% | -169.58% | -14,675 bps | |
| Net Interest Margin | 3.52% | 3.32% | 3.08% | 3.70% | 3.45% | 3.28% | 3.26% | 3.65% | -5 bps | |
| Efficiency Ratio | 87.52% | 89.97% | 93.92% | 99.30% | 99.02% | 98.11% | 148.84% | 132.76% | +3,345 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.75% | 10.23% | 3.29% | -14.21% | -8.32% | -12.56% | -17.82% | -12.24% | +196 bps | |
| Loan Growth (YoY) | 0.96% | -1.47% | -7.21% | -15.18% | -11.27% | -14.10% | -13.17% | -5.66% | +951 bps | |
| Share Growth (YoY) | 12.46% | 11.02% | 3.69% | -14.02% | -6.06% | -9.89% | -14.02% | -7.89% | +613 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.40% | 4.99% | 9.88% | 10.58% | 9.40% | 10.82% | 8.50% | 8.29% | -229 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 | 1.20% | 1.13% | 1.25% | 1.18% | 4.16% | 5.24% | 5.86% | 4.28% | +310 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.09% | 8.53% | 8.56% | 8.97% | 6.85% | 5.76% | 3.16% | 3.64% | -533 bps | |
| Net Worth / Assets | 9.09% | 8.53% | 8.56% | 8.97% | 6.85% | 5.76% | 3.16% | 3.64% | -533 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.23% | 41.65% | 39.77% | 46.34% | 43.66% | 39.71% | 40.17% | 47.46% | +112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |