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Letter portraitLegal landscapeQuarterYTD

St. John Tremont Catholic

Cleveland, OH · Charter 20717

Q3 2008

$123KAssets
$42KLoans
$105KShares
$18KNet Worth

Executive Summary

  • Earnings: ROA of 0.59%, down 3 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.04%, down 19 bps from a year ago.
  • Funding: loans stand at 40.33% of shares as of Q3 2008.

Return on Assets (quarter, annualized)

0.59%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.53%-51 bps YoY

Efficiency Ratio (quarter, annualized)

83.54%-154 bps YoY

Net Worth / Assets

15.04%-19 bps YoY

Discrete quarter, annualized.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.22%0.16%0.17%0.62%0.25%0.27%0.52%0.59%-3 bps
Return on Equity1.52%1.04%1.16%4.06%1.68%1.84%3.49%3.91%-15 bps
Net Interest Margin3.35%4.65%3.99%4.05%3.99%3.51%3.62%3.53%-51 bps
Efficiency Ratio93.39%96.65%95.68%85.07%93.87%92.34%85.77%83.54%-154 bps
Growth
Asset Growth (YoY)-1.27%-4.15%-4.54%-5.67%-0.12%4.02%4.05%2.86%+852 bps
Loan Growth (YoY)64.83%-2.37%27.36%-10.33%-20.88%-23.52%0.58%-15.65%-532 bps
Share Growth (YoY)-1.74%-4.97%-5.30%-6.72%-0.43%4.39%4.25%3.09%+981 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.66%15.07%15.07%15.23%14.93%14.76%14.90%15.04%-19 bps
Net Worth / Assets14.66%15.07%15.07%15.23%14.93%14.76%14.90%15.04%-19 bps
Liquidity & Funding
Loans / Shares51.38%49.87%45.09%49.28%40.83%36.53%43.50%40.33%-896 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps