Cleveland, OH · Charter 21482
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cleveland, OH · Charter 21482
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.02% | 0.02% | 0.07% | 0.10% | 0.13% | -0.78% | -2514% | -251,429 bps | |
| Return on Equity | 0.05% | 0.15% | 0.14% | 0.38% | 0.49% | 0.66% | -4.02% | -3558% | -355,812 bps | |
| Net Interest Margin | 1.07% | 1.21% | 1.23% | 1.39% | 1.35% | 0.96% | 2.12% | -2263% | -226,415 bps | |
| Efficiency Ratio | 118.07% | 97.97% | 98.03% | 94.98% | 117.44% | 133.59% | 137.00% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.58% | -7.31% | -10.67% | -12.87% | -23.70% | -16.25% | -13.13% | -99.07% | -8,619 bps | |
| Loan Growth (YoY) | -41.26% | -52.70% | -91.00% | -92.91% | -95.82% | -99.09% | -100.00% | -100.00% | -709 bps | |
| Share Growth (YoY) | -0.35% | -8.70% | -12.83% | -15.51% | -30.12% | -19.98% | -16.25% | -99.66% | -8,415 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.07% | 3.59% | 19.95% | 16.23% | 39.39% | 0.00% | n/a | n/a | n/a | |
| 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 | 6.41% | 7.96% | 44.19% | 63.12% | 40.48% | 0.00% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 16.37% | 16.72% | 17.18% | 18.19% | 21.56% | 20.09% | 19.47% | 70.67% | +5,248 bps | |
| Net Worth / Assets | 16.37% | 16.72% | 17.18% | 18.19% | 21.56% | 20.09% | 19.47% | 70.67% | +5,248 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 6.56% | 5.43% | 1.01% | 0.76% | 0.39% | 0.06% | 0.00% | 0.00% | -76 bps | |
| Liquid Assets / Assets | 40.25% | 39.83% | 98.38% | 60.47% | 98.75% | 98.73% | 0.00% | 0.00% | -6,047 bps | |