Marion, OH · Cert 27328
FDIC · 3 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 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.
Marion, OH · Cert 27328
FDIC · 3 branches
Q3 2014
Market Position · Columbus, OH · 2014 SOD (annual) · 0.0% share · #54 of 60 inst. · $0.0B of $53.8B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.80% | -0.43% | -0.59% | -0.80% | -0.82% | -0.84% | 0.24% | -0.04% | +76 bps | |
| Return on Equity | -15.14% | -8.30% | -11.54% | -15.78% | -16.24% | -17.13% | 4.69% | -0.80% | +1,497 bps | |
| Net Interest Margin | 3.11% | 2.97% | 3.00% | 3.03% | 3.05% | 2.73% | 3.45% | 3.38% | +36 bps | |
| Efficiency Ratio | 120.70% | 118.28% | 121.23% | 126.97% | 126.71% | 122.86% | 107.57% | 109.83% | -1,714 bps | |
| Non-Interest Burden | 3.94% | 3.70% | 3.86% | 4.06% | 4.06% | 3.57% | 3.85% | 3.88% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.31% | -11.06% | -14.04% | -14.10% | -15.59% | -16.00% | -13.46% | -18.09% | -399 bps | |
| Loan Growth (YoY) | -3.34% | -4.13% | -10.25% | -11.52% | -13.23% | -14.75% | -14.59% | -14.62% | -311 bps | |
| Deposit Growth (YoY) | -13.09% | -16.98% | -16.49% | -14.48% | -9.28% | -11.56% | -11.90% | -16.66% | -218 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 | 0.67% | 0.44% | 0.10% | 0.23% | 0.27% | 0.35% | 0.41% | 0.36% | +13 bps | |
| Allowance / Loans | 2.26% | 2.21% | 2.37% | 2.29% | 2.34% | 2.36% | 1.89% | 1.86% | -43 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 | 6.94% | 6.99% | 6.99% | 6.83% | 6.93% | 6.97% | 7.62% | 7.55% | +72 bps | |
| Equity / Assets | 5.07% | 5.20% | 5.14% | 4.90% | 4.82% | 4.93% | 5.42% | 5.71% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.57% | 95.31% | 93.01% | 92.66% | 90.45% | 91.88% | 90.18% | 94.93% | +227 bps | |
| Liquid Assets / Assets | 4.21% | 4.11% | 4.25% | 7.29% | 9.96% | 8.27% | 8.76% | 3.77% | -351 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |