Beachwood, OH · Cert 58198
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.73% | 0.64% | 0.70% | 0.59% | 0.65% | 0.64% | 0.54% | -17 bps | |
| Return on Equity | 5.78% | 6.98% | 6.38% | 6.85% | 5.83% | 6.37% | 6.23% | 5.27% | -157 bps | |
| Net Interest Margin | 3.39% | 3.66% | 3.48% | 3.54% | 3.56% | 3.83% | 3.62% | 3.76% | +22 bps | |
| Efficiency Ratio | 64.46% | 66.06% | 64.26% | 59.88% | 60.54% | 70.87% | 71.62% | 72.27% | +1,239 bps | |
| Non-Interest Burden | 1.97% | 2.25% | 2.03% | 1.76% | 1.86% | 2.60% | 2.48% | 2.60% | +84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.19% | 21.20% | 25.72% | 20.14% | 7.33% | 8.00% | -4.75% | 16.29% | -385 bps | |
| Loan Growth (YoY) | 15.04% | 21.74% | 33.28% | 12.10% | 13.36% | 14.88% | 5.07% | 19.77% | +767 bps | |
| Deposit Growth (YoY) | 41.86% | 23.60% | 28.38% | 21.98% | 7.40% | 8.21% | -5.91% | 18.05% | -393 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 | 0.47% | 0.07% | 0.03% | 0.51% | 0.96% | 0.00% | 0.03% | 0.21% | -30 bps | |
| Allowance / Loans | 1.53% | 1.55% | 1.59% | 1.70% | 1.46% | 1.45% | 1.47% | 1.40% | -30 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 | 16.22% | 16.24% | 14.95% | 15.57% | 15.48% | 14.66% | 14.18% | 13.19% | -238 bps | |
| Equity / Assets | 9.80% | 11.10% | 9.51% | 10.73% | 9.68% | 10.90% | 10.54% | 9.60% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.66% | 86.49% | 80.50% | 86.52% | 77.74% | 91.82% | 89.89% | 87.78% | +126 bps | |
| Liquid Assets / Assets | 24.82% | 13.25% | 19.54% | 5.43% | 4.78% | 5.25% | 4.39% | 3.36% | -207 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |