Cleveland, OH · Charter 3053
Q4 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.75% | 2.93% | 3.24% | 3.66% | 3.41% | 3.11% | 2.12% | 1.80% | -186 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -7.16% | -9.59% | -17.25% | -22.32% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 33.85% | 23.41% | 10.84% | -6.55% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -9.99% | -11.90% | -19.71% | -24.58% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.26% | 1.69% | 3.68% | 5.79% | 5.48% | 6.42% | 4.69% | +101 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 | 2.07% | 1.74% | 1.38% | 1.26% | 1.54% | 0.87% | 1.36% | 1.40% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.95% | 51.86% | 58.61% | 64.32% | 65.36% | 72.64% | 80.90% | 79.69% | +1,537 bps | |
| Liquid Assets / Assets | 26.82% | 27.13% | 24.90% | 22.58% | 33.48% | 25.52% | 23.09% | 21.93% | -65 bps | |