Cleveland, OH · Charter 19463
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.72% | -0.86% | -0.88% | -0.20% | 0.05% | 0.01% | 0.01% | 0.06% | +26 bps | |
| Return on Equity | -15.49% | -7.91% | -7.65% | -1.72% | 0.46% | 0.10% | 0.10% | 0.52% | +224 bps | |
| Net Interest Margin | 2.76% | 2.93% | 3.19% | 3.55% | 3.57% | 3.70% | 3.79% | 3.65% | +9 bps | |
| Efficiency Ratio | 150.66% | 125.31% | 123.73% | 104.89% | 98.71% | 99.72% | 99.72% | 98.44% | -646 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.68% | -9.16% | -15.32% | -6.31% | -5.60% | -6.35% | -0.68% | 1.70% | +801 bps | |
| Loan Growth (YoY) | -1.63% | 24.70% | 55.07% | 45.81% | -8.16% | -13.66% | -18.40% | -15.58% | -6,139 bps | |
| Share Growth (YoY) | -6.79% | -8.85% | -15.77% | -6.53% | -6.35% | -7.42% | -1.31% | 1.69% | +822 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 25.47% | 25.18% | 6.53% | 6.71% | 4.69% | 4.85% | 4.89% | 4.85% | -186 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 | 4.78% | 6.57% | 6.95% | 7.46% | 2.01% | 2.08% | 2.10% | 2.08% | -538 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.08% | 10.82% | 11.54% | 11.54% | 11.79% | 11.83% | 12.12% | 11.83% | +29 bps | |
| Net Worth / Assets | 11.08% | 10.82% | 11.54% | 11.54% | 11.79% | 11.83% | 12.12% | 11.83% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.87% | 40.71% | 47.38% | 45.74% | 39.10% | 37.97% | 39.17% | 37.97% | -777 bps | |
| Liquid Assets / Assets | 52.30% | 60.91% | 56.01% | 58.28% | 62.47% | 64.24% | 65.33% | 64.24% | +596 bps | |