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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 0.73% | 0.78% | 0.85% | 0.61% | 1.00% | 1.00% | 1.02% | +16 bps | |
| Return on Equity | 4.73% | 5.29% | 5.56% | 6.09% | 4.41% | 7.20% | 7.19% | 7.24% | +115 bps | |
| Net Interest Margin | 3.77% | 3.61% | 3.65% | 3.62% | 3.47% | 4.17% | 4.24% | 4.13% | +51 bps | |
| Efficiency Ratio | 75.49% | 72.58% | 71.11% | 68.30% | 77.46% | 67.62% | 67.81% | 67.78% | -51 bps | |
| Non-Interest Burden | 2.76% | 2.49% | 2.46% | 2.33% | 2.60% | 2.69% | 2.70% | 2.61% | +29 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% | 0.82% | 0.45% | 0.31% | -0.45% | -0.74% | -0.44% | -0.28% | -59 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 |