Canfield, OH · Charter 96798
Q1 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.52% | -1.56% | -1.82% | -1.63% | -1.74% | -1.72% | -1.76% | -1.90% | -27 bps | |
| Return on Equity | -8.61% | -9.07% | -10.68% | -10.11% | -11.08% | -10.93% | -11.92% | -13.39% | -327 bps | |
| Net Interest Margin | 2.18% | 2.15% | 2.16% | 1.94% | 1.94% | 1.99% | 1.94% | 1.86% | -8 bps | |
| Efficiency Ratio | 161.40% | 164.03% | 175.11% | 173.86% | 178.74% | 175.47% | 178.93% | 190.72% | +1,686 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.65% | -2.77% | -3.79% | -2.76% | 0.45% | -1.94% | 2.90% | 0.75% | +351 bps | |
| Loan Growth (YoY) | -11.00% | -9.60% | -6.53% | -6.49% | -1.34% | -2.07% | -2.96% | -2.34% | +415 bps | |
| Share Growth (YoY) | -5.39% | -1.55% | -1.90% | -0.37% | 3.48% | 0.57% | 6.01% | 3.47% | +384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 0.65% | 0.50% | 0.06% | 0.10% | 0.44% | 0.77% | 0.36% | +30 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 | 2.10% | 1.90% | 1.44% | 1.44% | 1.43% | 1.30% | 1.33% | 0.88% | -56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.68% | 17.25% | 17.01% | 16.09% | 15.72% | 15.69% | 14.77% | 14.16% | -193 bps | |
| Net Worth / Assets | 17.68% | 17.25% | 17.01% | 16.09% | 15.72% | 15.69% | 14.77% | 14.16% | -193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.88% | 32.76% | 33.30% | 30.35% | 31.35% | 31.90% | 30.48% | 28.65% | -170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |