Parma, OH · Cert 18806
FDIC
Q4 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.75% | 2.05% | 0.67% | 0.55% | -5.42% | -5.36% | -9.34% | -13.65% | -1,420 bps | |
| Return on Equity | 37.34% | 13.73% | 4.89% | 4.30% | -58.12% | -62.25% | -126.27% | -220% | -22,436 bps | |
| Net Interest Margin | 3.20% | 2.71% | 2.55% | 2.19% | 2.29% | 2.47% | 2.56% | 2.39% | +20 bps | |
| Efficiency Ratio | 44.53% | 66.49% | 79.28% | 75.59% | n/a | n/a | n/a | n/a | n/a | |
| Non-Interest Burden | -3.38% | 0.46% | 1.47% | 1.02% | 7.21% | 6.66% | 10.31% | 10.60% | +958 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 58.96% | 42.53% | 64.42% | 57.48% | 37.46% | 33.40% | 3.71% | -13.10% | -7,059 bps | |
| Loan Growth (YoY) | 29.82% | 36.37% | 40.57% | 50.00% | 46.34% | 36.77% | -2.92% | -20.89% | -7,089 bps | |
| Deposit Growth (YoY) | 66.96% | 47.03% | 68.12% | 62.08% | 27.98% | 37.44% | 10.32% | 1.60% | -6,048 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.54% | 1.15% | 0.70% | 0.86% | 0.68% | 0.59% | 0.85% | 5.99% | +513 bps | |
| Allowance / Loans | 1.18% | 1.10% | 1.16% | 1.13% | 1.11% | 1.53% | 2.44% | 3.45% | +232 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 21.21% | 18.76% | 15.80% | 16.64% | 14.85% | 12.91% | 7.20% | 1.84% | -1,480 bps | |
| Equity / Assets | 15.26% | 14.08% | 11.11% | 9.89% | 8.76% | 7.21% | 3.59% | 0.80% | -909 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.99% | 89.56% | 82.89% | 92.49% | 100.61% | 89.12% | 72.94% | 72.02% | -2,047 bps | |
| Liquid Assets / Assets | 0.58% | 0.82% | 0.60% | 0.00% | 0.67% | 0.91% | 0.28% | 18.49% | +1,849 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |