Oak Harbor, OH · Cert 14528
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.67% | 0.55% | 0.62% | 0.74% | 0.64% | 0.75% | 0.75% | +13 bps | |
| Return on Equity | 8.45% | 7.01% | 5.74% | 6.69% | 8.00% | 6.91% | 8.15% | 8.19% | +150 bps | |
| Net Interest Margin | 3.53% | 3.74% | 3.81% | 3.78% | 3.81% | 3.75% | 3.77% | 3.71% | -7 bps | |
| Efficiency Ratio | 69.97% | 74.54% | 73.63% | 71.62% | 69.59% | 73.91% | 69.82% | 70.28% | -134 bps | |
| Non-Interest Burden | 2.25% | 2.55% | 2.59% | 2.47% | 2.38% | 2.51% | 2.36% | 2.35% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.35% | 5.26% | 7.64% | 3.61% | 4.38% | 3.40% | 3.78% | 2.32% | -129 bps | |
| Loan Growth (YoY) | 13.22% | 11.84% | 14.42% | 10.27% | 9.29% | 8.10% | 6.41% | 1.48% | -879 bps | |
| Deposit Growth (YoY) | 5.63% | 5.17% | 11.19% | 5.21% | 6.53% | 6.94% | 3.18% | 4.86% | -35 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 | 0.17% | 0.09% | 0.57% | 0.53% | 0.41% | 0.30% | 0.13% | 0.05% | -47 bps | |
| Allowance / Loans | 1.16% | 1.20% | 1.07% | 1.05% | 1.11% | 1.13% | 1.20% | 1.33% | +28 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 | 15.09% | 15.42% | 14.73% | 13.92% | 13.92% | 14.02% | 13.96% | 14.46% | +54 bps | |
| Equity / Assets | 9.49% | 9.65% | 9.39% | 8.87% | 9.13% | 9.39% | 8.95% | 9.18% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.26% | 91.80% | 89.22% | 92.72% | 93.63% | 92.79% | 92.02% | 89.74% | -298 bps | |
| Liquid Assets / Assets | 5.44% | 5.59% | 5.25% | 3.09% | 2.42% | 3.16% | 4.34% | 6.39% | +330 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |