Dayton, OH · Charter 63961
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.13% | -1.52% | -1.56% | -1.39% | -1.89% | -0.39% | -0.95% | -2.03% | -64 bps | |
| Return on Equity | -11.78% | -16.33% | -17.04% | -15.48% | -23.23% | -4.45% | -11.07% | -28.09% | -1,261 bps | |
| Net Interest Margin | 2.56% | 2.65% | 2.77% | 2.82% | 2.58% | 2.68% | 2.76% | 2.70% | -12 bps | |
| Efficiency Ratio | 135.52% | 135.13% | 134.01% | 131.14% | 127.87% | 122.45% | 122.46% | 137.82% | +669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.35% | -6.73% | -4.26% | -3.29% | -0.82% | -3.17% | -4.48% | -2.95% | +34 bps | |
| Loan Growth (YoY) | -15.37% | -3.80% | 2.88% | 2.99% | 4.08% | -2.81% | -8.87% | -10.79% | -1,378 bps | |
| Share Growth (YoY) | -10.27% | -6.52% | -3.33% | -1.93% | 0.93% | -2.55% | -4.04% | -1.68% | +25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 0.69% | 1.01% | 2.53% | 0.95% | 2.48% | 2.40% | 1.71% | -83 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 | 1.66% | 1.81% | 1.76% | 1.88% | 2.18% | 0.86% | 1.07% | 2.52% | +64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.55% | 9.30% | 9.13% | 9.01% | 8.11% | 8.81% | 8.62% | 7.24% | -176 bps | |
| Net Worth / Assets | 9.55% | 9.30% | 9.13% | 9.01% | 8.11% | 8.81% | 8.62% | 7.24% | -176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.33% | 36.39% | 38.18% | 38.15% | 34.38% | 36.28% | 36.26% | 34.61% | -353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |