Medina, OH · Cert 34894
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.01% | 0.77% | 0.57% | 0.70% | 0.29% | 0.60% | 0.27% | 0.68% | -2 bps | |
| Return on Equity | -22.57% | 8.56% | 6.18% | 7.55% | 3.09% | 6.27% | 2.76% | 6.87% | -68 bps | |
| Net Interest Margin | 3.44% | 3.76% | 3.66% | 3.53% | 3.38% | 3.51% | 3.44% | 3.48% | -5 bps | |
| Efficiency Ratio | 76.59% | 71.82% | 72.20% | 72.69% | 82.15% | 76.42% | 77.70% | 75.66% | +297 bps | |
| Non-Interest Burden | 2.57% | 2.63% | 2.58% | 2.50% | 2.71% | 2.61% | 2.59% | 2.54% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.15% | -8.37% | -8.27% | -3.39% | 0.44% | 1.90% | -0.41% | -5.54% | -215 bps | |
| Loan Growth (YoY) | -4.84% | -6.48% | -5.38% | -5.09% | -9.77% | -5.70% | -8.18% | -9.37% | -428 bps | |
| Deposit Growth (YoY) | -3.56% | -8.39% | -7.91% | -3.51% | -0.09% | 2.10% | -1.01% | -6.41% | -290 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 | 3.31% | 0.12% | 1.73% | 2.18% | 0.79% | -0.04% | 1.29% | -0.17% | -235 bps | |
| Allowance / Loans | 2.84% | 2.89% | 2.53% | 2.04% | 2.09% | 2.07% | 1.98% | 2.07% | +4 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 | 11.32% | 11.81% | 12.17% | 12.58% | 13.47% | 13.31% | 13.56% | 13.91% | +134 bps | |
| Equity / Assets | 8.85% | 9.27% | 9.25% | 9.26% | 9.45% | 9.63% | 9.72% | 10.00% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.89% | 93.96% | 91.47% | 88.12% | 83.89% | 86.78% | 84.84% | 85.34% | -279 bps | |
| Liquid Assets / Assets | 6.23% | 5.80% | 7.66% | 8.32% | 12.02% | 9.36% | 10.33% | 10.38% | +206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |