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 (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 | 0.19%1 | -0.45% | 0.02% | 0.13% | 0.23% | 0.49% | 0.23% | 0.19% | +6 bps | |
| Return on Equity | 2.08% | -4.98% | 0.23% | 1.51% | 2.57% | 5.16% | 2.35% | 1.98% | +47 bps | |
| Net Interest Margin | 2.90% | 2.94% | 2.93% | 3.00% | 3.04% | 3.48% | 3.30% | 3.28% | +27 bps | |
| Efficiency Ratio | 92.91% | 92.07% | 91.97% | 89.29% | 87.83% | 80.27% | 88.35% | 89.27% | -2 bps | |
| Non-Interest Burden | 2.68% | 2.70% | 2.68% | 2.66% | 2.65% | 2.76% | 2.90% | 2.90% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | -1.97% | -3.32% | -3.59% | -6.14% | -4.95% | -3.70% | -4.17% | -58 bps | |
| Loan Growth (YoY) | 7.56% | 5.41% | 4.12% | 4.35% | 3.46% | 1.62% | -1.51% | -4.46% | -881 bps | |
| Deposit Growth (YoY) | 2.85% | 1.45% | -1.04% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.19% | -0.01% | 0.10% | 0.08% | 0.07% | 0.31% | 0.25% | 0.25% | +18 bps | |
| Allowance / Loans | 1.03% | 1.33% | 1.11% | 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 | 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 | 18.37% | 18.15% | 18.21% | 18.05% | 18.31% | 18.59% | 18.84% | 19.05% | +99 bps | |
| Equity / Assets | 8.97% | 8.96% | 8.77% | 8.91% | 9.40% | 9.67% | 9.70% | 9.85% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.04% | 101.80% | 104.16% | 105.47% | 107.53% | 107.86% | 105.74% | 105.08% | -39 bps | |
| Liquid Assets / Assets | 6.53% | 5.67% | 4.42% | 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 | n/a | n/a | n/a |