Hubbard, OH · Charter 61292
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Hubbard, OH · Charter 61292
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.01% | -1.03% | -1.08% | -1.14% | -1.33% | -1.19% | -1.18% | -0.86% | +27 bps | |
| Return on Equity | -3.48% | -3.41% | -3.48% | -3.87% | -4.86% | -4.20% | -4.48% | -3.44% | +43 bps | |
| Net Interest Margin | 4.00% | 4.33% | 4.49% | 3.73% | 3.40% | 3.72% | 3.57% | 3.36% | -36 bps | |
| Efficiency Ratio | 122.74% | 121.47% | 121.79% | 127.69% | 135.13% | 128.18% | 129.25% | 122.77% | -492 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.00% | -1.56% | -2.46% | -2.98% | 2.00% | 2.07% | 12.31% | 12.20% | +1,518 bps | |
| Loan Growth (YoY) | 11.03% | 18.46% | -11.43% | -11.15% | -0.84% | -8.33% | 0.09% | 5.19% | +1,634 bps | |
| Share Growth (YoY) | 13.36% | 0.29% | -1.33% | -2.52% | 4.62% | 4.54% | 19.97% | 18.98% | +2,150 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.05% | 2.48% | 3.34% | 3.24% | 9.14% | 1.75% | 7.47% | 6.78% | +354 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 | 0.67% | 0.61% | 0.71% | 0.80% | 0.67% | 0.66% | 0.71% | 0.76% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.99% | 30.02% | 30.95% | 29.35% | 27.28% | 28.26% | 26.38% | 25.06% | -429 bps | |
| Net Worth / Assets | 28.99% | 30.02% | 30.95% | 29.35% | 27.28% | 28.26% | 26.38% | 25.06% | -429 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.13% | 95.82% | 86.79% | 71.73% | 77.85% | 84.02% | 72.41% | 63.41% | -832 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |