Cleveland, OH · Charter 14848
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.52% | 3.39% | 3.57% | 2.86% | 3.32% | 3.68% | 3.45% | 2.13% | -73 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 7.99% | 3.09% | 12.16% | 0.63% | 2.43% | 3.41% | -0.98% | -1,314 bps | |
| Loan Growth (YoY) | n/a | -24.33% | -20.15% | -26.57% | -1.18% | 3.25% | -8.56% | -2.22% | +2,435 bps | |
| Share Growth (YoY) | n/a | 6.01% | 3.29% | 12.54% | -2.04% | -1.51% | -2.68% | -5.09% | -1,764 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.71% | 6.52% | 9.78% | 9.08% | 16.95% | 3.26% | 5.09% | 5.54% | -354 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 | 4.57% | 5.17% | 4.55% | 0.03% | 0.42% | 0.45% | 0.45% | 0.50% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.05% | 25.59% | 29.16% | 22.80% | 30.32% | 26.83% | 27.40% | 23.49% | +69 bps | |
| Liquid Assets / Assets | 70.21% | 63.36% | 67.39% | 77.25% | 70.27% | 55.06% | 52.91% | 49.04% | -2,821 bps | |