Akron, OH · Cert 28179
FDIC · 4 branches
Q3 2014
Market Position · Akron, OH · 2014 SOD (annual) · 0.9% share · #15 of 28 inst. · $0.1B of $12.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.53% | 0.49% | -0.04% | 0.12% | -24 bps | |
| Return on Equity | 4.15% | 5.77% | 5.16% | -0.42% | 1.26% | -290 bps | |
| Net Interest Margin | 3.04% | 3.11% | 3.48% | 3.15% | 3.14% | +9 bps | |
| Efficiency Ratio | 84.24% | 83.54% | 80.27% | 97.01% | 91.20% | +696 bps | |
| Non-Interest Burden | 2.52% | 2.57% | 2.76% | 3.05% | 2.84% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.59% | -6.14% | -4.95% | -3.70% | -4.17% | -58 bps | |
| Loan Growth (YoY) | 4.35% | 3.46% | 1.62% | -1.51% | -4.46% | -881 bps | |
| Deposit Growth (YoY) | -1.14% | -3.75% | -4.09% | -2.99% | -4.11% | -297 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.06% | 0.31% | 0.19% | 0.25% | +23 bps | |
| Allowance / Loans | 1.09% | 1.08% | 1.01% | 0.98% | 0.94% | -15 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 18.05% | 18.31% | 18.59% | 18.84% | 19.05% | +99 bps | |
| Equity / Assets | 8.91% | 9.40% | 9.67% | 9.70% | 9.85% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.47% | 107.53% | 107.86% | 105.74% | 105.08% | -39 bps | |
| Liquid Assets / Assets | 5.04% | 3.26% | 3.62% | 5.64% | 6.76% | +171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |