Greenfield, OH · Cert 32295
FDIC · 1 branch
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.
Greenfield, OH · Cert 32295
FDIC · 1 branch
Q2 2014
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 | -2.31% | -1.89% | -5.54% | -2.68% | -2.13% | -1.91% | -0.47% | -0.19% | +250 bps | |
| Return on Equity | n/a | n/a | -41.51% | -20.40% | -16.18% | -14.48% | -3.57% | -1.39% | +1,901 bps | |
| Net Interest Margin | 2.45% | 2.42% | 2.04% | 2.29% | 2.27% | 2.30% | 2.28% | 2.40% | +11 bps | |
| Efficiency Ratio | 147.07% | 133.00% | 154.42% | 112.43% | 123.44% | 134.24% | 119.73% | 107.36% | -507 bps | |
| Non-Interest Burden | 3.43% | 3.13% | 3.16% | 2.60% | 2.80% | 3.02% | 2.74% | 2.58% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.79% | -3.57% | -3.10% | -3.37% | -6.11% | -7.30% | -9.39% | -11.76% | -838 bps | |
| Loan Growth (YoY) | -19.56% | -18.96% | -20.77% | -19.78% | -18.65% | -20.00% | -20.42% | -18.08% | +170 bps | |
| Deposit Growth (YoY) | -2.27% | -2.33% | -0.80% | -1.72% | -5.14% | -6.35% | -10.12% | -12.83% | -1,112 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 | 3.96% | 3.52% | 3.43% | 6.30% | 4.72% | 3.65% | 0.00% | -0.06% | -636 bps | |
| Allowance / Loans | 3.45% | 3.80% | 6.74% | 5.36% | 5.25% | 5.71% | 5.99% | 6.36% | +100 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 | 42.51% | 42.97% | 39.38% | 41.37% | 42.86% | 36.96% | 37.48% | 39.38% | -199 bps | |
| Equity / Assets | 14.09% | 14.09% | 12.59% | 12.77% | 13.18% | 13.19% | 13.26% | 13.79% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.50% | 37.19% | 34.68% | 32.32% | 33.02% | 31.77% | 30.71% | 30.38% | -195 bps | |
| Liquid Assets / Assets | 63.21% | 63.15% | 66.81% | 68.89% | 68.62% | 69.09% | 69.90% | 70.99% | +209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |