Massillon, OH · Charter 2966
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | -0.44% | -0.38% | -1.15% | -0.99% | -0.70% | -0.46% | -0.60% | +55 bps | |
| Return on Equity | -8.49% | -5.29% | -4.58% | -15.57% | -13.10% | -9.78% | -6.12% | -7.21% | +836 bps | |
| Net Interest Margin | 3.10% | 2.82% | 2.80% | 2.74% | 2.80% | 2.57% | 2.67% | 3.00% | +26 bps | |
| Efficiency Ratio | 105.49% | 112.88% | 109.28% | 132.52% | 122.77% | 118.22% | 109.17% | 108.41% | -2,411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.32% | 3.65% | 1.90% | 5.80% | 2.17% | 0.64% | -4.09% | -16.49% | -2,229 bps | |
| Loan Growth (YoY) | -0.66% | -2.90% | -2.01% | 1.77% | 1.33% | 4.23% | 2.45% | -6.74% | -851 bps | |
| Share Growth (YoY) | 2.79% | 5.37% | 3.06% | 9.20% | 2.59% | 1.08% | -3.84% | -18.94% | -2,814 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.55% | 1.70% | 0.47% | 0.02% | 0.02% | 0.42% | 0.03% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.20% | 0.16% | 0.15% | 0.14% | 0.18% | 0.17% | 0.18% | 0.22% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.70% | 8.23% | 8.22% | 7.41% | 7.53% | 7.15% | 7.52% | 8.31% | +90 bps | |
| Net Worth / Assets | 8.70% | 8.23% | 8.22% | 7.41% | 7.53% | 7.15% | 7.52% | 8.31% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.62% | 58.54% | 58.39% | 58.35% | 62.84% | 60.37% | 62.21% | 67.14% | +878 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |