Cuyahoga Falls, OH · Cert 30693
FDIC · 2 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Cuyahoga Falls, OH · Cert 30693
FDIC · 2 branches
Q2 2014
Market Position · Akron, OH · 2014 SOD (annual) · 0.8% share · #16 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.92% | 0.63% | 0.66% | 0.70% | 0.70% | 0.55% | 0.52% | -14 bps | |
| Return on Equity | 8.60% | 9.66% | 6.53% | 6.92% | 7.33% | 7.36% | 5.70% | 5.39% | -153 bps | |
| Net Interest Margin | 4.23% | 4.19% | 4.17% | 4.10% | 4.05% | 4.00% | 4.04% | 3.98% | -11 bps | |
| Efficiency Ratio | 73.22% | 71.59% | 79.86% | 77.83% | 76.62% | 77.03% | 81.26% | 82.98% | +515 bps | |
| Non-Interest Burden | 2.88% | 2.74% | 3.17% | 3.02% | 2.94% | 2.93% | 3.18% | 3.21% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.59% | 8.78% | 8.60% | 11.81% | 8.02% | 7.88% | 6.65% | 3.31% | -850 bps | |
| Loan Growth (YoY) | 11.74% | 10.27% | 9.79% | 11.82% | 8.22% | 7.90% | 6.49% | 3.30% | -852 bps | |
| Deposit Growth (YoY) | 4.20% | 6.05% | 6.05% | 8.18% | 8.06% | 8.19% | 6.26% | 0.36% | -782 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 | 0.00% | 0.00% | 0.21% | 0.11% | 0.12% | 0.11% | 0.06% | 0.04% | -7 bps | |
| Allowance / Loans | 0.95% | 0.98% | 0.94% | 0.95% | 0.92% | 0.91% | 0.92% | 0.90% | -4 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 | 13.57% | 13.78% | 13.68% | 13.45% | 13.28% | 13.59% | 13.65% | 13.60% | +15 bps | |
| Equity / Assets | 9.33% | 9.64% | 9.59% | 9.38% | 9.36% | 9.62% | 9.59% | 9.63% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.26% | 112.88% | 111.43% | 113.32% | 116.43% | 112.58% | 111.68% | 116.64% | +332 bps | |
| Liquid Assets / Assets | 0.18% | 0.18% | 0.18% | 0.28% | 0.18% | 0.19% | 0.52% | 0.34% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |