Cleveland, OH · Charter 14784
Q2 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.58% | -0.41% | -0.44% | -0.44% | -0.35% | 0.14% | -5.30% | -486 bps | |
| Return on Equity | -3.77% | -3.91% | -2.84% | -2.82% | -2.62% | -1.99% | 0.74% | -34.53% | -3,171 bps | |
| Net Interest Margin | 2.08% | 2.07% | 1.75% | 1.96% | 2.13% | 2.29% | 2.23% | 1.08% | -88 bps | |
| Efficiency Ratio | 115.22% | 117.95% | 112.57% | 110.86% | 109.24% | 105.44% | 93.12% | 438% | +32,710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.93% | 6.24% | -1.14% | -5.12% | -12.25% | -17.68% | -21.67% | -17.98% | -1,286 bps | |
| Loan Growth (YoY) | -5.48% | -14.56% | -9.42% | 8.19% | -1.91% | 14.11% | 13.73% | 11.78% | +359 bps | |
| Share Growth (YoY) | 10.85% | 8.13% | -0.83% | -5.54% | -14.29% | -20.52% | -25.00% | -18.83% | -1,329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.00% | 8.41% | 7.30% | 2.71% | 1.42% | 0.87% | 0.41% | 0.00% | -271 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 | 1.23% | 1.39% | 0.95% | 0.93% | 1.12% | 1.55% | 1.64% | 2.69% | +177 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.08% | 14.83% | 14.53% | 15.72% | 16.68% | 17.66% | 18.36% | 15.36% | -36 bps | |
| Net Worth / Assets | 15.08% | 14.83% | 14.53% | 15.72% | 16.68% | 17.66% | 18.36% | 15.36% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.67% | 53.56% | 50.76% | 69.12% | 68.30% | 76.89% | 76.99% | 95.18% | +2,606 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |