Lorain, OH · Charter 96746
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.06% | 0.08% | 0.10% | 0.18% | 0.28% | 0.03% | -1.23% | -133 bps | |
| Return on Equity | 4.76% | 0.63% | 0.86% | 1.05% | 1.86% | 2.81% | 0.28% | -13.29% | -1,435 bps | |
| Net Interest Margin | 2.40% | 2.42% | 2.19% | 2.03% | 2.02% | 2.05% | 1.84% | 1.74% | -30 bps | |
| Efficiency Ratio | 75.47% | 75.66% | 75.85% | 82.78% | 83.77% | 82.21% | 98.65% | 171.17% | +8,839 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.18% | 1.72% | 1.58% | 0.49% | 1.17% | 1.55% | -1.02% | -2.63% | -313 bps | |
| Loan Growth (YoY) | -5.09% | -7.94% | -10.30% | -10.49% | -12.29% | -12.00% | -10.26% | -12.47% | -198 bps | |
| Share Growth (YoY) | 2.99% | 1.87% | 1.86% | 0.73% | 1.45% | 1.31% | -1.54% | -1.83% | -256 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.48% | 1.92% | 0.76% | 0.00% | 0.06% | 0.59% | 0.09% | 0.26% | +26 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 | 2.08% | 3.01% | 3.00% | 3.11% | 3.24% | 3.33% | 3.51% | 3.67% | +56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.79% | 9.73% | 9.43% | 9.39% | 9.53% | 9.86% | 9.78% | 9.25% | -13 bps | |
| Net Worth / Assets | 9.79% | 9.73% | 9.43% | 9.39% | 9.53% | 9.86% | 9.78% | 9.25% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.85% | 38.44% | 34.98% | 34.22% | 33.59% | 33.39% | 31.88% | 30.51% | -371 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |