Dayton, OH · Charter 14798
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Dayton, OH · Charter 14798
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.22% | 0.62% | 0.85% | 0.54% | 0.14% | -15.77% | -14.02% | -1,487 bps | |
| Return on Equity | 14.55% | 3.52% | 9.97% | 13.41% | 8.15% | 2.19% | -424% | -4428% | -444,160 bps | |
| Net Interest Margin | 5.60% | 5.96% | 4.28% | 4.09% | 4.12% | 3.84% | 3.36% | 2.88% | -120 bps | |
| Efficiency Ratio | 86.24% | 96.70% | 88.63% | 87.97% | 92.11% | 89.90% | 70.33% | 174.66% | +8,669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.24% | -12.94% | -3.30% | 6.55% | -9.33% | -1.22% | -19.69% | -17.07% | -2,362 bps | |
| Loan Growth (YoY) | -32.38% | -33.86% | -32.97% | -33.03% | -36.95% | -33.62% | -38.85% | -50.08% | -1,705 bps | |
| Share Growth (YoY) | -14.41% | -13.16% | -2.53% | 5.77% | -9.98% | -1.40% | -17.91% | -11.49% | -1,726 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.82% | 15.12% | 13.77% | 9.90% | 10.77% | 24.49% | 28.55% | 11.65% | +175 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 | 5.80% | 6.38% | 4.27% | 4.75% | 5.57% | 7.64% | 21.12% | 33.19% | +2,844 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.06% | 6.27% | 6.17% | 6.37% | 6.62% | 6.60% | 3.72% | 0.32% | -605 bps | |
| Net Worth / Assets | 6.06% | 6.27% | 6.17% | 6.37% | 6.62% | 6.60% | 3.72% | 0.32% | -605 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.74% | 63.03% | 51.17% | 47.90% | 43.24% | 42.44% | 38.12% | 27.01% | -2,089 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |