Cleveland, OH · Charter 13149
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.
Cleveland, OH · Charter 13149
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 | -1.20% | -6.95% | -7.12% | -6.91% | -6.22% | -7.13% | -7.15% | -6.39% | +53 bps | |
| Return on Equity | -4.32% | -31.90% | -31.22% | -31.48% | -28.32% | -56.92% | -57.00% | -52.69% | -2,122 bps | |
| Net Interest Margin | 0.33% | 1.00% | 1.00% | 0.77% | 1.42% | 1.16% | 1.58% | 1.70% | +93 bps | |
| Efficiency Ratio | 461% | 795% | 809% | 1003% | 487% | 717% | 552% | 476% | -52,732 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.74% | -6.36% | -17.96% | -18.81% | -20.01% | -23.68% | -23.96% | -26.91% | -810 bps | |
| Loan Growth (YoY) | 17.58% | 19.36% | 11.15% | 1.29% | -4.27% | -13.43% | -10.55% | -16.78% | -1,807 bps | |
| Share Growth (YoY) | -12.59% | 1.38% | -11.29% | -11.14% | -13.53% | -14.65% | -14.09% | -17.97% | -683 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 48.44% | 47.37% | 44.73% | 39.03% | 36.69% | 26.01% | 28.46% | -1,628 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 | 6.03% | 2.91% | 3.04% | 2.99% | 3.51% | 3.74% | 3.64% | 3.85% | +86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.83% | 21.77% | 22.82% | 21.95% | 21.97% | 12.52% | 12.53% | 12.12% | -984 bps | |
| Net Worth / Assets | 27.83% | 21.77% | 22.82% | 21.95% | 21.97% | 12.52% | 12.53% | 12.12% | -984 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.44% | 36.40% | 41.11% | 42.55% | 40.35% | 36.92% | 42.81% | 43.17% | +62 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |