Cleveland, OH · Charter 24031
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 24031
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -0.69% | -0.43% | -0.41% | -0.92% | -1.03% | -1.51% | -2.11% | -170 bps | |
| Return on Equity | -1.89% | -2.36% | -1.32% | -1.31% | -2.91% | -3.42% | -4.67% | -6.97% | -566 bps | |
| Net Interest Margin | 2.79% | 2.56% | 2.71% | 2.20% | 2.06% | 1.96% | 2.05% | 1.87% | -33 bps | |
| Efficiency Ratio | 109.38% | 114.64% | 115.53% | 111.89% | 116.28% | 117.60% | 115.88% | 126.46% | +1,457 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.16% | 8.21% | -6.92% | 1.06% | -1.62% | -4.62% | -3.47% | -3.30% | -435 bps | |
| Loan Growth (YoY) | -4.14% | 2.61% | 12.71% | -0.02% | -17.11% | -17.34% | -17.28% | -16.74% | -1,672 bps | |
| Share Growth (YoY) | 6.73% | 17.52% | -7.79% | 2.39% | -1.31% | -5.61% | -2.54% | -3.03% | -542 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.00% | 0.03% | 1.49% | 1.38% | 1.99% | 1.93% | 3.30% | +181 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 | 2.58% | 2.78% | 1.34% | 1.59% | 0.02% | 0.94% | 2.10% | 3.65% | +206 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.58% | 29.35% | 32.62% | 31.09% | 31.52% | 30.14% | 32.29% | 30.29% | -80 bps | |
| Net Worth / Assets | 31.58% | 29.35% | 32.62% | 31.09% | 31.52% | 30.14% | 32.29% | 30.29% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.40% | 44.76% | 50.37% | 43.39% | 40.65% | 39.20% | 42.75% | 37.25% | -613 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |