Mentor, OH · Cert 57879
FDIC · 2 branches
Q2 2016
Market Position · Cleveland-Elyria, OH · 2016 SOD (annual) · 0.2% share · #22 of 36 inst. · $0.1B of $64.6B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.62% | 0.60% | 0.46% | 0.53% | -13 bps | |
| Return on Equity | 6.79% | 6.43% | 6.27% | 4.98% | 5.71% | -109 bps | |
| Net Interest Margin | 3.75% | 3.69% | 3.63% | 3.72% | 3.58% | -17 bps | |
| Efficiency Ratio | 66.07% | 67.47% | 68.10% | 69.49% | 68.44% | +237 bps | |
| Non-Interest Burden | 2.37% | 2.38% | 2.36% | 2.49% | 2.36% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.82% | 7.91% | 12.64% | 8.14% | 4.06% | +225 bps | |
| Loan Growth (YoY) | 10.50% | 11.81% | 6.50% | 5.80% | 2.65% | -785 bps | |
| Deposit Growth (YoY) | -0.88% | 5.58% | 10.92% | 10.02% | 5.35% | +623 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.72% | 0.52% | 0.82% | -0.01% | 0.01% | -71 bps | |
| Allowance / Loans | 1.72% | 1.77% | 1.52% | 1.65% | 1.77% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.42% | 9.34% | 9.21% | 9.28% | 9.01% | -41 bps | |
| Total Risk-Based Capital | 12.52% | 11.92% | 12.09% | 12.04% | 12.15% | -37 bps | |
| Equity / Assets | 9.30% | 9.25% | 9.27% | 9.19% | 9.17% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.51% | 93.20% | 90.82% | 90.91% | 89.17% | -235 bps | |
| Liquid Assets / Assets | 11.92% | 12.03% | 13.15% | 13.23% | 12.81% | +89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |