Youngstown, OH · Charter 3750
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Youngstown, OH · Charter 3750
Q2 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.35% | -1.86% | -1.57% | -1.96% | -1.87% | -2.45% | -2.30% | -3.58% | -162 bps | |
| Return on Equity | -12.61% | -17.28% | -16.40% | -21.80% | -21.48% | -30.78% | -30.75% | -55.75% | -3,395 bps | |
| Net Interest Margin | 5.15% | 5.51% | 4.88% | 4.79% | 4.93% | 4.94% | 4.74% | 5.00% | +21 bps | |
| Efficiency Ratio | 123.12% | 130.07% | 129.09% | 137.15% | 133.99% | 139.60% | 145.16% | 166.27% | +2,911 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.73% | -1.47% | 8.59% | 10.06% | -1.11% | 3.73% | -5.70% | -7.05% | -1,711 bps | |
| Loan Growth (YoY) | 11.59% | 5.43% | 7.76% | 4.77% | -7.04% | -9.28% | -2.53% | -7.87% | -1,264 bps | |
| Share Growth (YoY) | 7.35% | 0.36% | 12.46% | 14.14% | 1.07% | 7.02% | -3.59% | -4.03% | -1,817 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.19% | 11.04% | 9.99% | 8.76% | 9.20% | 6.97% | 6.86% | 6.95% | -180 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.24% | 1.90% | 1.95% | 1.91% | 1.97% | 0.51% | 0.49% | 1.02% | -89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.71% | 10.79% | 9.56% | 9.01% | 8.71% | 7.95% | 7.49% | 6.43% | -259 bps | |
| Net Worth / Assets | 10.71% | 10.79% | 9.56% | 9.01% | 8.71% | 7.95% | 7.49% | 6.43% | -259 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.04% | 104.13% | 92.15% | 94.48% | 92.01% | 88.27% | 93.16% | 90.69% | -378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |