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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.68% | 1.04% | 1.01% | 1.04% | +13 bps | |
| Return on Equity | 7.91% | 6.04% | 9.06% | 8.98% | 10.02% | +211 bps | |
| Net Interest Margin | 2.96% | 3.00% | 3.02% | 3.02% | 3.02% | +6 bps | |
| Efficiency Ratio | 63.03% | 62.89% | 60.56% | 58.13% | 57.87% | -516 bps | |
| Non-Interest Burden | 1.45% | 1.56% | 1.43% | 1.32% | 1.34% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.44% | 9.32% | 8.03% | 9.45% | 10.14% | +170 bps | |
| Loan Growth (YoY) | 15.48% | 16.02% | 14.23% | 16.40% | 15.68% | +19 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.84% | 0.03% | 0.07% | 0.16% | -3 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.46% | 11.53% | 11.69% | 11.28% | 10.65% | -81 bps | |
| Total Risk-Based Capital | 18.72% | 18.39% | 18.56% | 17.21% | 16.47% | -225 bps | |
| Equity / Assets | 11.11% | 11.35% | 11.58% | 10.87% | 9.88% | -122 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.66% | 94.16% | 98.28% | 103.16% | 101.06% | +840 bps | |
| Liquid Assets / Assets | 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 |