East Liverpool, OH · Cert 26977
FDIC · 5 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
East Liverpool, OH · Cert 26977
FDIC · 5 branches
Q3 2015
Market Position · Pittsburgh, PA · 2015 SOD (annual) · 0.0% share · #50 of 54 inst. · $0.0B of $115.3B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.54% | 0.71% | 0.72% | 0.71% | 0.64% | 0.66% | 0.69% | -3 bps | |
| Return on Equity | 7.85% | 5.91% | 7.58% | 7.71% | 7.52% | 6.55% | 6.88% | 7.09% | -63 bps | |
| Net Interest Margin | 3.19% | 3.24% | 3.19% | 3.19% | 3.19% | 3.22% | 3.08% | 3.17% | -2 bps | |
| Efficiency Ratio | 82.46% | 88.83% | 83.68% | 83.32% | 84.04% | 83.12% | 81.54% | 80.58% | -274 bps | |
| Non-Interest Burden | 2.43% | 2.76% | 2.47% | 2.47% | 2.49% | 2.50% | 2.32% | 2.35% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.18% | -9.56% | -12.52% | -4.09% | 5.08% | 3.13% | 8.88% | 1.06% | +515 bps | |
| Loan Growth (YoY) | 6.51% | 2.40% | 0.99% | -0.58% | -0.55% | 4.33% | -1.10% | 2.13% | +271 bps | |
| Deposit Growth (YoY) | 6.00% | 8.46% | 1.74% | 10.30% | 5.67% | 2.38% | 9.61% | 0.79% | -951 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 | 0.13% | 0.20% | 0.13% | 0.10% | 0.12% | 0.02% | 0.13% | 0.11% | +1 bps | |
| Allowance / Loans | 1.47% | 1.46% | 1.34% | 1.32% | 1.23% | 1.23% | 1.22% | 1.21% | -12 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 | 9.56% | 9.26% | 9.56% | n/a | |
| Total Risk-Based Capital | 17.16% | 17.62% | 17.69% | 17.80% | 18.09% | 17.92% | 18.27% | 18.35% | +55 bps | |
| Equity / Assets | 9.30% | 8.92% | 9.84% | 9.42% | 9.91% | 9.59% | 9.50% | 10.00% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.24% | 53.43% | 59.72% | 55.46% | 58.58% | 54.45% | 53.88% | 56.19% | +74 bps | |
| Liquid Assets / Assets | 2.24% | 5.49% | 2.20% | 2.69% | 3.98% | 2.85% | 2.85% | 2.92% | +23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |