Kent, OH · Charter 67199
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Kent, OH · Charter 67199
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.38% | 0.39% | 0.50% | 0.61% | 0.29% | 0.27% | 0.39% | -10 bps | |
| Return on Equity | -0.84% | 7.63% | 7.80% | 9.12% | 10.66% | 5.19% | 4.74% | 6.53% | -259 bps | |
| Net Interest Margin | 3.81% | 3.77% | 3.76% | 3.94% | 3.96% | 3.75% | 3.69% | 3.81% | -13 bps | |
| Efficiency Ratio | 93.29% | 91.13% | 88.96% | 86.16% | 84.32% | 85.47% | 86.59% | 84.86% | -129 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.43% | -0.34% | -0.77% | 0.38% | -0.56% | -1.49% | -1.07% | -0.84% | -122 bps | |
| Loan Growth (YoY) | 9.75% | 3.54% | -0.26% | -0.87% | -2.44% | -2.12% | -4.94% | -9.98% | -912 bps | |
| Share Growth (YoY) | 1.05% | 0.41% | -0.50% | 0.22% | -1.46% | -2.02% | -1.59% | -1.44% | -165 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.45% | 0.89% | 0.90% | 0.69% | 0.73% | 0.99% | 0.54% | -36 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 | 0.46% | 0.46% | 0.50% | 0.57% | 0.51% | 0.58% | 0.63% | 0.67% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.06% | 4.96% | 5.06% | 5.45% | 5.70% | 5.60% | 5.63% | 6.03% | +58 bps | |
| Net Worth / Assets | 5.06% | 4.96% | 5.06% | 5.45% | 5.70% | 5.60% | 5.63% | 6.03% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.49% | 64.69% | 65.11% | 67.70% | 67.81% | 64.63% | 62.89% | 61.83% | -587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |