Wooster, OH · Cert 35385
FDIC · 34 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Wooster, OH · Cert 35385
FDIC · 34 branches
Q4 2019
Market Position · Youngstown-Warren-Boardman, OH-PA · 2019 SOD (annual) · 11.7% share · #3 of 18 inst. · $1.2B of $10.5B
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.28% | 1.30% | 1.31% | 1.16% | 1.29% | 1.33% | 1.33% | +2 bps | |
| Return on Equity | 11.86% | 12.62% | 12.93% | 12.99% | 11.59% | 12.74% | 13.14% | 13.03% | +4 bps | |
| Net Interest Margin | 3.24% | 3.16% | 3.10% | 3.14% | 3.15% | 3.13% | 3.07% | 3.06% | -9 bps | |
| Efficiency Ratio | 61.29% | 59.45% | 58.46% | 58.55% | 63.50% | 59.77% | 57.41% | 57.78% | -77 bps | |
| Non-Interest Burden | 1.69% | 1.57% | 1.49% | 1.52% | 1.73% | 1.55% | 1.41% | 1.42% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.01% | 8.34% | 7.05% | 6.06% | 5.90% | 3.61% | 4.20% | 1.98% | -409 bps | |
| Loan Growth (YoY) | 12.00% | 12.64% | 10.24% | 8.69% | 7.05% | 5.40% | 5.27% | 3.40% | -529 bps | |
| Deposit Growth (YoY) | 8.14% | 12.60% | 21.53% | 13.41% | 11.11% | 5.70% | -9.92% | 3.72% | -970 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.48% | 0.40% | 0.29% | 0.31% | 0.55% | 0.43% | 0.54% | +26 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | 0.01% | 0.00% | 0.07% | 0.06% | 0 bps | |
| Allowance / Loans | 1.00% | 0.96% | 0.94% | 0.89% | 0.88% | 0.87% | 0.84% | 0.81% | -8 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.0x | 2.3x | 3.1x | 2.9x | 1.6x | 1.9x | 1.5x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.38% | 10.23% | 10.02% | 10.11% | 9.99% | 10.32% | 10.04% | 10.25% | +13 bps | |
| Total Risk-Based Capital | 14.51% | 14.18% | 13.95% | 14.30% | 13.90% | 14.17% | 13.73% | 14.21% | -9 bps | |
| Equity / Assets | 10.22% | 9.89% | 9.77% | 10.03% | 9.92% | 10.33% | 10.12% | 10.47% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.92% | 102.45% | 94.63% | 101.21% | 99.16% | 102.15% | 110.59% | 100.91% | -30 bps | |
| Liquid Assets / Assets | 3.60% | 4.03% | 3.48% | 3.57% | 3.68% | 0.80% | 0.67% | 0.61% | -296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |