Twinsburg, OH · Cert 33135
FDIC · 3 branches
Q4 2016
Market Position · Cleveland-Elyria, OH · 2016 SOD (annual) · 0.2% share · #24 of 36 inst. · $0.1B of $64.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.81% | 0.86% | 1.09% | 0.61% | 1.36% | 1.01% | 1.08% | -1 bps | |
| Return on Equity | 4.73% | 5.84% | 6.09% | 7.64% | 4.41% | 9.96% | 7.17% | 7.52% | -12 bps | |
| Net Interest Margin | 3.77% | 3.47% | 3.69% | 3.67% | 3.47% | 4.74% | 4.11% | 4.13% | +45 bps | |
| Efficiency Ratio | 75.49% | 69.66% | 68.20% | 60.00% | 77.46% | 59.95% | 68.19% | 67.70% | +770 bps | |
| Non-Interest Burden | 2.76% | 2.24% | 2.37% | 2.02% | 2.60% | 2.68% | 2.55% | 2.55% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.81% | 2.22% | 3.97% | 1.03% | 9.29% | 4.91% | 6.23% | 10.66% | +964 bps | |
| Loan Growth (YoY) | 1.12% | 0.17% | 0.05% | 5.49% | 6.89% | 11.51% | 17.25% | 11.47% | +598 bps | |
| Deposit Growth (YoY) | -4.81% | 1.58% | 3.85% | 0.84% | 10.17% | 4.77% | 6.08% | 9.60% | +876 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 | -0.05% | 1.69% | -0.28% | -0.05% | -0.45% | -1.05% | 0.10% | 0.18% | +23 bps | |
| Allowance / Loans | 1.88% | 1.48% | 1.54% | 1.47% | 1.56% | 1.77% | 1.66% | 1.60% | +13 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 | 13.95% | 14.03% | 14.28% | 14.30% | 13.06% | 13.81% | 14.44% | 15.29% | +99 bps | |
| Total Risk-Based Capital | 17.71% | 17.80% | 17.91% | 16.82% | 16.62% | 16.46% | 16.38% | 17.51% | +69 bps | |
| Equity / Assets | 14.01% | 13.90% | 14.31% | 14.25% | 13.43% | 13.97% | 14.19% | 14.52% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.63% | 92.84% | 95.04% | 98.75% | 92.78% | 98.81% | 105.06% | 100.43% | +168 bps | |
| Liquid Assets / Assets | 16.32% | 19.01% | 18.04% | 14.42% | 18.55% | 14.85% | 9.34% | 13.55% | -86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |