Cleveland, OH · Cert 28932
FDIC
Q2 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.58% | 0.58% | 0.80% | 0.81% | 0.89% | 0.44% | 0.55% | -25 bps | |
| Return on Equity | 2.76% | 3.03% | 3.26% | 4.53% | 4.61% | 5.06% | 2.54% | 3.18% | -135 bps | |
| Net Interest Margin | 2.64% | 2.50% | 2.08% | 2.08% | 2.07% | 2.06% | 2.02% | 2.03% | -5 bps | |
| Efficiency Ratio | 69.52% | 69.03% | 60.70% | 56.67% | 55.55% | 53.72% | 61.76% | 56.27% | -40 bps | |
| Non-Interest Burden | 1.60% | 1.47% | 1.05% | 0.79% | 0.77% | 0.65% | 1.04% | 0.87% | +8 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 | 0.38% | 0.39% | 0.20% | 0.17% | 0.20% | 0.23% | 0.35% | 0.45% | +28 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 |