Warren, OH · Cert 34657
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.98% | 1.33% | 0.83%1 | 0.90% | 1.51% | 0.74% | 1.68% | +85 bps | |
| Return on Equity | n/a | 37.76% | 23.12% | 13.96% | 10.26% | 12.90% | 6.08% | 12.55% | -140 bps | |
| Net Interest Margin | 3.23% | 3.16% | 3.46% | 3.11% | 2.84% | 3.48% | 3.27% | 3.44% | +33 bps | |
| Efficiency Ratio | 72.96% | 67.10% | 64.77% | 88.39% | 77.04% | 63.97% | 92.60% | 72.85% | -1,554 bps | |
| Non-Interest Burden | 1.54% | 1.02% | 0.83% | 2.51% | 1.20% | 0.41% | 2.89% | 1.63% | -87 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% | 1.20% | 1.74% | 1.51% | 0.34% | 0.36% | 0.20% | 1.09% | -41 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 |