Middleburg Hts, OH · Charter 19144
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.20% | -3.86% | 1.69% | 1.05% | 0.96% | 0.86% | -8.53% | -1,022 bps | |
| Return on Equity | 0.60% | 1.31% | -33.75% | 14.20% | 8.50% | 7.58% | 6.53% | -112.50% | -12,670 bps | |
| Net Interest Margin | 4.16% | 4.00% | 4.24% | 4.85% | 4.78% | 4.73% | 4.77% | 5.10% | +25 bps | |
| Efficiency Ratio | 72.12% | 68.07% | 76.32% | 52.36% | 57.49% | 60.27% | 61.89% | 75.76% | +2,340 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.24% | 7.03% | 6.74% | 4.11% | -0.42% | -0.81% | -1.36% | -9.48% | -1,359 bps | |
| Loan Growth (YoY) | -5.46% | 0.21% | -7.63% | -8.26% | -10.25% | -17.50% | -13.37% | -18.98% | -1,072 bps | |
| Share Growth (YoY) | 4.75% | 7.02% | 12.84% | 11.34% | 3.47% | 2.24% | -3.60% | -4.93% | -1,627 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.97% | 5.08% | 0.69% | 0.66% | 4.76% | 1.45% | 1.47% | 7.15% | +649 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 | 1.43% | 1.69% | 2.27% | 2.49% | 3.02% | 3.52% | 4.02% | 12.97% | +1,048 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.47% | 14.99% | 11.42% | 11.89% | 12.37% | 12.62% | 13.22% | 7.59% | -430 bps | |
| Net Worth / Assets | 15.47% | 14.99% | 11.42% | 11.89% | 12.37% | 12.62% | 13.22% | 7.59% | -430 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.61% | 106.52% | 95.43% | 95.46% | 90.74% | 85.95% | 85.76% | 81.35% | -1,411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |