Cleveland, OH · Cert 28932
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.75% | 0.58% | 1.01% | 0.81% | 1.10% | 0.44% | 0.66% | -34 bps | |
| Return on Equity | 1.94% | 4.15% | 3.26% | 5.76% | 4.73% | 6.37% | 2.54% | 3.81% | -195 bps | |
| Net Interest Margin | 2.21% | 2.12% | 2.08% | 2.14% | 2.13% | 2.02% | 2.02% | 2.03% | -12 bps | |
| Efficiency Ratio | 72.93% | 67.33% | 60.70% | 53.49% | 53.28% | 48.91% | 61.76% | 50.89% | -261 bps | |
| Non-Interest Burden | 1.40% | 1.11% | 1.05% | 0.57% | 0.76% | 0.26% | 1.04% | 0.70% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.65% | -18.66% | -17.05% | 12.14% | 11.43% | 11.10% | 4.45% | 1.03% | -1,111 bps | |
| Loan Growth (YoY) | -19.65% | -16.60% | -11.79% | 19.60% | 15.12% | 13.13% | 6.72% | 3.98% | -1,562 bps | |
| Deposit Growth (YoY) | -30.86% | -28.64% | -28.34% | 7.86% | 3.56% | 0.26% | 4.88% | -2.95% | -1,081 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.42% | 0.42% | 0.20% | 0.15% | 0.25% | 0.31% | 0.35% | 0.55% | +40 bps | |
| Allowance / Loans | 0.84% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.67% | 11.35% | 11.20% | 11.04% | 11.33% | 11.78% | 10.97% | 10.28% | -76 bps | |
| Equity / Assets | 17.91% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 138.42% | 136.91% | 147.15% | 144.91% | 153.87% | 154.48% | 149.73% | 155.25% | +1,034 bps | |
| Liquid Assets / Assets | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |