Swanton, OH · Charter 934
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.
Swanton, OH · Charter 934
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 | 0.28% | 0.85% | 0.33% | 0.24% | 0.23% | -0.01% | -0.05% | -0.12% | -36 bps | |
| Return on Equity | 2.00% | 5.77% | 2.42% | 1.73% | 1.57% | -0.08% | -0.29% | -0.78% | -252 bps | |
| Net Interest Margin | 1.36% | 1.86% | 1.40% | 1.22% | 1.21% | 1.09% | 1.10% | 1.02% | -20 bps | |
| Efficiency Ratio | 80.53% | 54.87% | 76.94% | 81.12% | 82.32% | 101.01% | 103.91% | 111.34% | +3,022 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | -0.73% | -1.64% | 5.87% | -2.72% | -1.87% | -7.90% | -11.05% | -1,692 bps | |
| Loan Growth (YoY) | 9.77% | -10.36% | -18.89% | -20.99% | -9.69% | -18.21% | -30.25% | -34.20% | -1,321 bps | |
| Share Growth (YoY) | -0.48% | -1.38% | -1.90% | 6.36% | -3.39% | -2.19% | -9.64% | -12.75% | -1,911 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.29% | 11.12% | 10.64% | 10.45% | 5.57% | 6.32% | 0.00% | 0.00% | -1,045 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 | 5.37% | 5.99% | 6.23% | 6.40% | 5.94% | 7.33% | 3.22% | 3.51% | -289 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.12% | 14.74% | 13.73% | 13.76% | 14.72% | 15.02% | 15.35% | 15.42% | +166 bps | |
| Net Worth / Assets | 14.12% | 14.74% | 13.73% | 13.76% | 14.72% | 15.02% | 15.35% | 15.42% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.96% | 19.43% | 17.74% | 16.84% | 19.59% | 16.24% | 13.69% | 12.70% | -414 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |