Youngstown, OH · Cert 28114
FDIC · 31 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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 · Cert 28114
FDIC · 31 branches
Q4 2016
Market Position · Youngstown-Warren-Boardman, OH-PA · 2016 SOD (annual) · 9.4% share · #5 of 19 inst. · $0.9B of $9.2B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.87% | 0.87% | 0.88% | 0.68% | 0.86% | 0.91% | 0.94% | +6 bps | |
| Return on Equity | 6.97% | 7.34% | 7.38% | 7.56% | 6.04% | 7.58% | 8.10% | 8.63% | +107 bps | |
| Net Interest Margin | 3.04% | 2.98% | 2.91% | 2.89% | 3.00% | 2.98% | 2.94% | 2.88% | 0 bps | |
| Efficiency Ratio | 68.97% | 65.58% | 64.62% | 64.20% | 62.89% | 61.68% | 60.44% | 59.77% | -444 bps | |
| Non-Interest Burden | 1.80% | 1.59% | 1.52% | 1.49% | 1.56% | 1.48% | 1.40% | 1.35% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | 7.46% | 9.47% | 8.44% | 9.32% | 8.03% | 9.45% | 10.14% | +170 bps | |
| Loan Growth (YoY) | 12.08% | 14.56% | 16.11% | 15.48% | 16.02% | 14.23% | 16.40% | 15.68% | +19 bps | |
| Deposit Growth (YoY) | 0.20% | 3.42% | 3.67% | 6.54% | 4.04% | 1.38% | 4.97% | 6.06% | -48 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 | 0.09% | 0.21% | 0.14% | 0.15% | 0.84% | 0.42% | 0.29% | 0.25% | +10 bps | |
| Allowance / Loans | 1.41% | 1.32% | 1.31% | 1.29% | 1.20% | 1.17% | 1.17% | 1.20% | -9 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 | 11.99% | 11.94% | 12.01% | 11.46% | 11.53% | 11.69% | 11.28% | 10.65% | -81 bps | |
| Total Risk-Based Capital | 20.72% | 19.69% | 19.67% | 18.72% | 18.39% | 18.56% | 17.21% | 16.47% | -225 bps | |
| Equity / Assets | 12.11% | 11.63% | 11.84% | 11.11% | 11.35% | 11.58% | 10.87% | 9.88% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.44% | 87.23% | 93.03% | 92.66% | 94.16% | 98.28% | 103.16% | 101.06% | +840 bps | |
| Liquid Assets / Assets | 0.97% | 1.33% | 6.94% | 6.26% | 6.08% | 5.90% | 5.65% | 5.25% | -101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |