Greenfield, OH · Cert 32295
FDIC · 1 branch
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.79% | -0.61% | -5.54% | 0.18% | -0.96% | -1.21% | -0.47% | 0.11% | -8 bps | |
| Return on Equity | -12.63% | -4.30% | -41.51% | 1.44% | -7.43% | -9.15% | -3.57% | 0.80% | -65 bps | |
| Net Interest Margin | 2.47% | 2.15% | 2.04% | 2.53% | 2.09% | 2.15% | 2.28% | 2.47% | -6 bps | |
| Efficiency Ratio | 126.52% | 92.67% | 154.42% | 82.33% | 156.40% | 193.60% | 119.73% | 95.82% | +1,348 bps | |
| Non-Interest Burden | 3.05% | 1.99% | 3.16% | 2.02% | 3.05% | 3.35% | 2.74% | 2.36% | +35 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 | 2.99% | 1.67% | 3.43% | 8.87% | 1.14% | -0.46% | 0.00% | -0.13% | -899 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 |