Bedford Hts., OH · Charter 20966
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | -0.12% | -0.37% | -0.29% | -0.50% | -0.91% | -0.80% | -40.04% | -3,975 bps | |
| Return on Equity | 2.50% | -0.29% | -0.84% | -0.60% | -1.02% | -1.88% | -1.56% | -141.71% | -14,110 bps | |
| Net Interest Margin | 4.57% | 3.64% | 3.41% | 3.80% | 3.69% | 3.42% | 3.68% | -34.04% | -3,784 bps | |
| Efficiency Ratio | 80.57% | 103.27% | 110.47% | 107.47% | 113.19% | 125.78% | 94.91% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.08% | -13.66% | -17.86% | -20.83% | -14.99% | -14.17% | -14.93% | -17.17% | +366 bps | |
| Loan Growth (YoY) | 9.04% | -10.18% | 6.65% | -14.93% | -26.03% | -14.87% | -27.81% | 2.16% | +1,709 bps | |
| Share Growth (YoY) | -25.85% | -22.02% | -28.07% | -33.83% | -25.30% | -23.47% | -25.86% | 15.27% | +4,910 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 2.54% | 2.73% | 0.00% | 0.00% | 0.00% | 0.00% | -273 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 | 1.34% | 1.41% | 1.29% | 1.64% | 1.81% | 1.66% | 1.78% | 1.60% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.25% | 41.95% | 43.83% | 48.55% | 49.27% | 48.19% | 50.81% | 28.26% | -2,030 bps | |
| Net Worth / Assets | 36.25% | 41.95% | 43.83% | 48.55% | 49.27% | 48.19% | 50.81% | 28.26% | -2,030 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.76% | 49.27% | 58.82% | 56.00% | 52.24% | 54.81% | 57.27% | 49.63% | -637 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |