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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.51% | 0.68% | 0.66% | 0.62% | 0.60% | 0.46% | 0.53% | -13 bps | |
| Return on Equity | 3.98% | 5.37% | 6.87% | 6.79% | 6.43% | 6.27% | 4.98% | 5.71% | -109 bps | |
| Net Interest Margin | 3.71% | 3.96% | 3.94% | 3.75% | 3.69% | 3.63% | 3.72% | 3.58% | -17 bps | |
| Efficiency Ratio | 65.46% | 63.47% | 65.89% | 66.07% | 67.47% | 68.10% | 69.49% | 68.44% | +237 bps | |
| Non-Interest Burden | 2.32% | 2.38% | 2.49% | 2.37% | 2.38% | 2.36% | 2.49% | 2.36% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.81% | -1.89% | -3.62% | 1.82% | 7.91% | 12.64% | 8.14% | 4.06% | +225 bps | |
| Loan Growth (YoY) | 12.40% | 12.02% | 13.35% | 10.50% | 11.81% | 6.50% | 5.80% | 2.65% | -785 bps | |
| Deposit Growth (YoY) | 1.77% | -2.30% | -6.48% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.18% | 0.93% | 0.67% | 0.72% | 0.52% | 0.82% | -0.01% | 0.01% | -71 bps | |
| Allowance / Loans | 1.83% | 1.91% | 1.82% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 9.78% | 9.42% | 9.34% | 9.21% | 9.28% | 9.01% | -41 bps | |
| Total Risk-Based Capital | 13.42% | 12.58% | 12.74% | 12.52% | 11.92% | 12.09% | 12.04% | 12.15% | -37 bps | |
| Equity / Assets | 9.51% | 10.12% | 9.67% | 9.30% | 9.25% | 9.27% | 9.19% | 9.17% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.00% | 94.59% | 94.54% | 91.51% | 93.20% | 90.82% | 90.91% | 89.17% | -235 bps | |
| Liquid Assets / Assets | 14.97% | 8.80% | 9.35% | 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 | n/a | n/a | n/a |