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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.70% | 0.70% | 0.55% | 0.52% | -14 bps | |
| Return on Equity | 6.92% | 7.33% | 7.36% | 5.70% | 5.39% | -153 bps | |
| Net Interest Margin | 4.10% | 4.05% | 4.00% | 4.04% | 3.98% | -11 bps | |
| Efficiency Ratio | 77.83% | 76.62% | 77.03% | 81.26% | 82.98% | +515 bps | |
| Non-Interest Burden | 3.02% | 2.94% | 2.93% | 3.18% | 3.21% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.81% | 8.02% | 7.88% | 6.65% | 3.31% | -850 bps | |
| Loan Growth (YoY) | 11.82% | 8.22% | 7.90% | 6.49% | 3.30% | -852 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.12% | 0.11% | 0.06% | 0.04% | -7 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.45% | 13.28% | 13.59% | 13.65% | 13.60% | +15 bps | |
| Equity / Assets | 9.38% | 9.36% | 9.62% | 9.59% | 9.63% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 113.32% | 116.43% | 112.58% | 111.68% | 116.64% | +332 bps | |
| Liquid Assets / Assets | 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 |