North Canton, OH · Charter 66280
Q4 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.06% | -0.94% | -0.71% | -0.83% | -0.03% | -0.22% | -0.03% | -1.27% | -44 bps | |
| Return on Equity | -14.01% | -13.73% | -10.70% | -10.77% | -0.42% | -3.47% | -0.35% | -20.09% | -932 bps | |
| Net Interest Margin | 4.83% | 4.46% | 4.38% | 5.23% | 4.75% | 4.40% | 5.37% | 5.16% | -8 bps | |
| Efficiency Ratio | 108.06% | 108.52% | 105.01% | 105.20% | 94.61% | 98.60% | 95.89% | 118.90% | +1,370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.11% | -1.38% | -0.43% | -2.25% | 0.44% | -0.10% | -16.97% | 2.11% | +436 bps | |
| Loan Growth (YoY) | -14.48% | -16.38% | -14.19% | -2.05% | 6.38% | 8.42% | 30.65% | 8.31% | +1,036 bps | |
| Share Growth (YoY) | -1.65% | 0.34% | 1.20% | -1.56% | 1.03% | 0.24% | -18.00% | 3.82% | +538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 1.98% | 1.58% | 0.76% | 0.89% | 0.75% | 0.85% | 0.81% | +4 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 | 2.30% | 2.31% | 2.35% | 1.86% | 1.49% | 1.53% | 1.31% | 0.75% | -111 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.57% | 6.84% | 6.63% | 7.75% | 7.03% | 6.49% | 7.77% | 6.32% | -143 bps | |
| Net Worth / Assets | 7.57% | 6.84% | 6.63% | 7.75% | 7.03% | 6.49% | 7.77% | 6.32% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.51% | 50.31% | 46.59% | 62.20% | 57.39% | 54.42% | 74.24% | 64.90% | +269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 92.97% | 0.00% | 0.00% | 0 bps | |