Youngstown, OH · Charter 14470
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Youngstown, OH · Charter 14470
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.06% | -2.68% | -2.63% | -2.90% | -3.22% | -3.14% | -3.03% | -3.63% | -72 bps | |
| Return on Equity | -20.16% | -29.50% | -31.82% | -39.27% | -41.98% | -48.30% | -53.93% | -81.07% | -4,180 bps | |
| Net Interest Margin | 2.11% | 1.48% | 1.36% | 1.33% | 1.49% | 1.09% | 0.97% | 0.92% | -41 bps | |
| Efficiency Ratio | 167.81% | 228% | 234% | 249% | 247% | 286% | 293% | 340% | +9,131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.13% | -8.89% | -0.11% | 1.37% | -11.39% | -5.64% | -5.23% | -6.30% | -767 bps | |
| Loan Growth (YoY) | -3.97% | -15.68% | -21.88% | -20.20% | -4.84% | -9.84% | -14.62% | -24.19% | -398 bps | |
| Share Growth (YoY) | -6.92% | -6.71% | 3.83% | 6.18% | -8.88% | -2.93% | -2.43% | -3.59% | -978 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.62% | 0.64% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.81% | 0.98% | 1.04% | 0.51% | 0.47% | 0.60% | 1.39% | 1.63% | +113 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.21% | 9.10% | 8.27% | 7.39% | 7.67% | 6.50% | 5.61% | 4.47% | -292 bps | |
| Net Worth / Assets | 10.21% | 9.10% | 8.27% | 7.39% | 7.67% | 6.50% | 5.61% | 4.47% | -292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.09% | 15.82% | 14.92% | 14.54% | 18.89% | 14.69% | 13.05% | 11.43% | -311 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 97.66% | 0.00% | 0.00% | 0 bps | |