Solon, OH · Cert 28235
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Solon, OH · Cert 28235
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.96% | 0.01% | 0.14% | 0.30% | 0.53% | 1.03% | 1.44% | 1.06% | +77 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 10.72% | 14.61% | 10.62% | n/a | |
| Net Interest Margin | n/a | 2.75% | 2.72% | 2.81% | 2.85% | 2.91% | 2.90% | 2.91% | +10 bps | |
| Efficiency Ratio | n/a | 76.08% | 78.31% | 76.90% | 73.33% | 76.06% | 74.65% | 77.78% | +88 bps | |
| Non-Interest Burden | n/a | 1.73% | 1.79% | 1.80% | 1.64% | 1.84% | 1.79% | 2.01% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.90% | 3.78% | 0.74% | -0.33% | -1.40% | -5.88% | -2.67% | -3.22% | -289 bps | |
| Loan Growth (YoY) | -3.21% | 2.05% | 4.47% | 5.00% | 8.09% | -1.49% | -0.80% | -4.44% | -944 bps | |
| Deposit Growth (YoY) | 2.78% | 4.76% | 1.29% | -0.61% | -3.02% | -7.83% | -4.57% | -4.88% | -428 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 | n/a | 1.80% | 1.71% | 1.37% | 1.32% | 0.15% | 0.42% | 0.26% | -110 bps | |
| Allowance / Loans | n/a | 2.91% | 2.75% | 2.78% | 2.52% | 2.61% | 2.40% | 2.53% | -25 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 | n/a | 12.86% | 12.97% | 13.20% | 12.93% | 13.76% | 14.34% | 14.85% | +165 bps | |
| Equity / Assets | n/a | 8.44% | 8.61% | 9.02% | 9.35% | 9.93% | 10.21% | 10.59% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.72% | 82.16% | 83.70% | 85.63% | 88.85% | 87.81% | 87.01% | 86.03% | +40 bps | |
| Liquid Assets / Assets | 0.00% | 13.55% | 14.19% | 12.43% | 9.67% | 10.47% | 9.93% | 11.21% | -122 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |