Cleveland, OH · Charter 20067
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.56% | 4.36% | 4.34% | 5.89% | -0.05% | -1.48% | -2.58% | -5.06% | -1,095 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -22.10% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.10% | 4.43% | 4.34% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 83.37% | 105.14% | 140.58% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.00% | 0.35% | 8.51% | 8.45% | 1.46% | -3.26% | -9.90% | -23.39% | -3,183 bps | |
| Loan Growth (YoY) | 0.31% | -11.93% | -6.02% | -24.86% | -30.25% | -23.83% | -31.74% | -29.69% | -483 bps | |
| Share Growth (YoY) | -8.54% | -2.86% | 7.75% | 3.10% | 0.51% | -3.93% | -9.66% | -20.21% | -2,331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.52% | 2.30% | 3.03% | 4.22% | 4.25% | 2.38% | 4.79% | 2.82% | -140 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 | 1.58% | 2.25% | 1.90% | 1.81% | 1.79% | 1.65% | 3.50% | 4.16% | +235 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.91% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 22.91% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.79% | 88.33% | 86.31% | 73.20% | 63.01% | 70.04% | 65.22% | 64.50% | -869 bps | |
| Liquid Assets / Assets | 28.74% | 30.72% | 29.67% | 40.32% | 49.92% | 18.98% | 44.52% | 51.97% | +1,165 bps | |