Sandusky, OH · Charter 63052
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.52% | 0.69% | 0.52% | 0.02% | -0.26% | -0.35% | -0.08% | -60 bps | |
| Return on Equity | 0.13% | 1.22% | 1.61% | 1.20% | 0.04% | -0.62% | -0.81% | -0.18% | -138 bps | |
| Net Interest Margin | 3.34% | 2.97% | 3.00% | 2.88% | 2.73% | 2.15% | 2.09% | 2.48% | -40 bps | |
| Efficiency Ratio | 98.38% | 82.58% | 77.05% | 82.04% | 99.44% | 112.26% | 116.81% | 103.14% | +2,111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | 1.73% | 0.09% | -0.66% | 0.30% | -1.30% | -2.74% | -2.44% | -178 bps | |
| Loan Growth (YoY) | 41.74% | -19.69% | -19.21% | -12.72% | -7.06% | -13.63% | -23.35% | -38.18% | -2,546 bps | |
| Share Growth (YoY) | -1.10% | 4.47% | 2.94% | 2.20% | 4.97% | 2.29% | -2.81% | -3.41% | -561 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.71% | 3.32% | 3.54% | 3.10% | 3.11% | 0.00% | 0.00% | 0.00% | -310 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 | 11.07% | 11.24% | 12.00% | 11.42% | 11.91% | 13.01% | 15.66% | 18.47% | +705 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 42.61% | 42.33% | 42.71% | 43.20% | 42.50% | 42.71% | 43.40% | 43.84% | +64 bps | |
| Net Worth / Assets | 42.61% | 42.33% | 42.71% | 43.20% | 42.50% | 42.71% | 43.40% | 43.84% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.68% | 27.75% | 25.46% | 26.99% | 25.40% | 23.43% | 20.08% | 17.28% | -972 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |