Eaton, OH · Cert 6579
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 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.
Eaton, OH · Cert 6579
FDIC
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | 0.14% | 0.29% | 0.38% | 0.59% | 0.60% | 0.57% | 0.54% | +17 bps | |
| Return on Equity | -2.96% | 1.41% | 2.95% | 3.89% | 6.26% | 6.41% | 6.07% | 5.76% | +187 bps | |
| Net Interest Margin | 3.38% | 3.37% | 3.34% | 3.31% | 3.19% | 3.22% | 3.25% | 3.30% | -2 bps | |
| Efficiency Ratio | 73.54% | 71.60% | 70.87% | 71.03% | 75.21% | 75.37% | 75.52% | 75.25% | +422 bps | |
| Non-Interest Burden | 2.35% | 2.24% | 2.18% | 2.15% | 2.24% | 2.26% | 2.29% | 2.30% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.24% | 3.82% | 2.00% | 3.65% | 0.28% | -0.56% | 1.10% | -3.44% | -709 bps | |
| Loan Growth (YoY) | -4.14% | -3.60% | -7.61% | -3.57% | 0.30% | 2.80% | 10.08% | 2.19% | +576 bps | |
| Deposit Growth (YoY) | 2.39% | 4.39% | 2.56% | 4.50% | 0.57% | -0.18% | -0.57% | -3.52% | -801 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 | 2.45% | 1.37% | 1.17% | 0.93% | 0.32% | 0.41% | 0.79% | 0.84% | -9 bps | |
| Allowance / Loans | 1.49% | 1.58% | 1.61% | 1.62% | 1.62% | 1.50% | 1.18% | 1.19% | -43 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 | 16.14% | 16.17% | 16.74% | 15.42% | 15.65% | 15.34% | 14.85% | 15.16% | -26 bps | |
| Equity / Assets | 9.53% | 9.64% | 9.76% | 9.41% | 9.38% | 9.45% | 9.23% | 9.63% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.00% | 76.17% | 74.14% | 75.68% | 74.80% | 78.45% | 82.09% | 80.16% | +447 bps | |
| Liquid Assets / Assets | 19.05% | 18.66% | 20.05% | 14.21% | 15.51% | 13.02% | 11.76% | 11.85% | -235 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |