Bartlett, OH · Cert 9133
FDIC
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.95% | 0.96% | 0.92% | 0.97% | 0.74% | 0.90% | 0.85%1 | -8 bps | |
| Return on Equity | 10.89% | 9.00% | 8.96% | 8.42% | 8.76% | 6.35% | 8.04% | 7.74% | -68 bps | |
| Net Interest Margin | 3.70% | 3.75% | 3.63% | 3.59% | 3.62% | 3.46% | 3.52% | 3.65% | +6 bps | |
| Efficiency Ratio | 75.93% | 76.95% | 76.45% | 78.55% | 78.34% | 88.01% | 85.74% | 88.79% | +1,024 bps | |
| Non-Interest Burden | 2.70% | 2.78% | 2.67% | 2.72% | 2.74% | 3.00% | 2.96% | 3.19% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | 5.46% | 5.50% | 4.46% | -0.65% | 1.14% | -5.73% | -6.14% | -1,060 bps | |
| Loan Growth (YoY) | -2.15% | -2.25% | 0.88% | -1.10% | -11.35% | -11.16% | -11.43% | -1.38% | -28 bps | |
| Deposit Growth (YoY) | 3.73% | 4.98% | 3.55% | -1.99% | -1.17% | 0.15% | 0.50% | 2.56% | +455 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 | 0.29% | -0.42% | -0.21% | -0.13% | -0.11% | 0.00% | 0.05% | 0.03% | +16 bps | |
| Allowance / Loans | 0.97% | 1.08% | 1.07% | 1.10% | 1.20% | 1.21% | 1.18% | 1.10% | 0 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 | 22.40% | 23.33% | 23.49% | 23.70% | 25.52% | 25.69% | 26.08% | 26.02% | +232 bps | |
| Equity / Assets | 10.34% | 10.79% | 11.09% | 11.54% | 11.81% | 11.60% | 10.05% | 10.20% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.31% | 44.87% | 44.83% | 43.58% | 40.64% | 39.80% | 39.51% | 41.91% | -167 bps | |
| Liquid Assets / Assets | 0.06% | 0.06% | 0.04% | 0.54% | 0.05% | 0.50% | 0.12% | 0.04% | -49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |