Brookpark, OH · Charter 22744
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.40% | 0.78% | 0.61% | 0.57% | -0.02% | 0.38% | 0.74% | +13 bps | |
| Return on Equity | 1.09% | 1.95% | 3.80% | 2.96% | 2.67% | -0.09% | 1.91% | 3.73% | +77 bps | |
| Net Interest Margin | 1.82% | 3.20% | 3.00% | 2.76% | 2.80% | 2.80% | 2.21% | 2.21% | -55 bps | |
| Efficiency Ratio | 85.77% | 55.67% | 50.58% | 53.57% | 55.37% | 78.63% | 70.24% | 58.80% | +524 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.52% | 5.46% | 1.12% | 1.47% | 2.59% | -1.16% | 4.92% | 6.90% | +543 bps | |
| Loan Growth (YoY) | -19.51% | -15.02% | 2.44% | 9.13% | 11.41% | 11.12% | -2.03% | -19.78% | -2,891 bps | |
| Share Growth (YoY) | -1.35% | 6.58% | 0.51% | 0.85% | 2.58% | -2.29% | 6.22% | 8.50% | +765 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.60% | 0.13% | 0.42% | 0.66% | 1.01% | 1.36% | 1.36% | 1.52% | +86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.21% | 20.47% | 20.58% | 20.56% | 21.25% | 21.16% | 19.96% | 19.88% | -68 bps | |
| Net Worth / Assets | 21.21% | 20.47% | 20.58% | 20.56% | 21.25% | 21.16% | 19.96% | 19.88% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.43% | 57.77% | 64.91% | 70.92% | 68.89% | 65.70% | 59.88% | 52.43% | -1,849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |