Warren, OH · Cert 34657
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Warren, OH · Cert 34657
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | 0.86% | 1.01% | 0.97% | 0.90% | 1.21% | 1.06% | 1.21% | +24 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 10.26% | 12.30% | 10.10% | 10.85% | n/a | |
| Net Interest Margin | 3.23% | 3.21% | 3.33% | 3.30% | 2.84% | 3.24% | 3.31% | 3.45% | +15 bps | |
| Efficiency Ratio | 72.96% | 69.99% | 68.10% | 72.34% | 77.04% | 70.17% | 76.05% | 75.34% | +300 bps | |
| Non-Interest Burden | 1.54% | 1.28% | 1.15% | 1.50% | 1.20% | 0.84% | 1.54% | 1.61% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.88% | -5.37% | -8.85% | -4.65% | -3.90% | -1.12% | -4.54% | -13.64% | -900 bps | |
| Loan Growth (YoY) | -3.23% | -10.59% | -14.15% | -7.31% | -18.58% | -9.68% | -12.78% | -14.88% | -758 bps | |
| Deposit Growth (YoY) | -2.43% | -2.50% | -8.47% | -4.41% | -7.38% | -9.65% | -12.91% | -16.88% | -1,247 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 | 1.90% | 1.61% | 1.67% | 1.68% | 0.34% | 0.34% | 0.31% | 0.52% | -116 bps | |
| Allowance / Loans | 3.46% | 3.50% | 3.58% | 3.72% | 0.03% | 0.18% | 0.41% | 0.59% | -313 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 | 8.23% | 9.29% | 10.06% | 10.79% | 15.61% | 14.84% | 15.31% | 15.93% | +514 bps | |
| Equity / Assets | 4.93% | 5.56% | 5.93% | 6.03% | 11.54% | 11.81% | 12.51% | 14.36% | +833 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.64% | 93.30% | 91.32% | 88.35% | 84.08% | 93.27% | 91.45% | 90.46% | +212 bps | |
| Liquid Assets / Assets | 7.59% | 10.19% | 11.43% | 14.71% | 15.54% | 8.88% | 9.21% | 3.53% | -1,117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |