Lima, OH · Charter 9845
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 | 1.52% | 1.02% | 1.08% | 1.23% | 1.33% | 1.12% | 1.29% | 1.33% | +10 bps | |
| Return on Equity | 9.65% | 6.57% | 6.90% | 7.85% | 8.50% | 7.23% | 8.25% | 8.35% | +51 bps | |
| Net Interest Margin | 2.37% | 2.35% | 2.34% | 2.39% | 2.38% | 2.33% | 2.32% | 2.32% | -7 bps | |
| Efficiency Ratio | 66.10% | 72.17% | 71.14% | 68.53% | 66.49% | 70.89% | 67.71% | 67.20% | -134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.25% | 4.44% | 5.26% | 9.18% | 9.83% | 9.50% | 10.00% | 8.04% | -114 bps | |
| Loan Growth (YoY) | 12.24% | 11.29% | 8.78% | 8.63% | 10.07% | 12.01% | 14.73% | 13.67% | +504 bps | |
| Share Growth (YoY) | 4.94% | 3.80% | 5.33% | 4.94% | 4.87% | 7.03% | 7.81% | 9.68% | +474 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.45% | 0.62% | 0.36% | 0.41% | 0.19% | 0.34% | 0.41% | +5 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 | 0.22% | 0.24% | 0.26% | 0.27% | 0.27% | 0.28% | 0.28% | 0.28% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.77% | 15.46% | 15.64% | 15.62% | 15.69% | 15.46% | 15.64% | 15.87% | +25 bps | |
| Net Worth / Assets | 15.77% | 15.46% | 15.64% | 15.62% | 15.69% | 15.46% | 15.64% | 15.87% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.85% | 72.74% | 73.69% | 77.00% | 79.61% | 76.12% | 78.42% | 79.80% | +281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |