Cleveland, OH · Charter 3338
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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 3338
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.95% | 0.40% | 2.31% | 2.86% | 2.52% | 0.00% | 4.80% | 4.03% | +118 bps | |
| Return on Equity | 18.63% | 2.57% | 14.81% | 17.80% | 15.60% | 0.00% | 21.29% | 17.83% | +3 bps | |
| Net Interest Margin | 5.66% | 4.24% | 5.03% | 5.71% | 5.61% | 3.91% | 8.65% | 8.22% | +251 bps | |
| Efficiency Ratio | 46.63% | 66.15% | 54.44% | 50.19% | 49.44% | 72.40% | 44.59% | 51.01% | +82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.33% | -2.34% | -1.05% | -2.09% | -0.24% | -5.02% | -41.70% | -44.42% | -4,233 bps | |
| Loan Growth (YoY) | -1.54% | 1.06% | 0.45% | -1.43% | -6.22% | -11.73% | -25.75% | -39.55% | -3,812 bps | |
| Share Growth (YoY) | -6.38% | -3.15% | -1.62% | -3.20% | -0.37% | -3.45% | -46.32% | -49.55% | -4,635 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.58% | 4.75% | 4.94% | 7.85% | 8.02% | 8.45% | 1.46% | 2.48% | -536 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 | 2.98% | 5.29% | 5.58% | 4.37% | 1.46% | 8.38% | 1.58% | 1.83% | -254 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.84% | 15.45% | 15.57% | 16.04% | 16.14% | 13.16% | 22.56% | 22.63% | +659 bps | |
| Net Worth / Assets | 15.84% | 15.45% | 15.57% | 16.04% | 16.14% | 13.16% | 22.56% | 22.63% | +659 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.90% | 53.76% | 50.13% | 54.54% | 52.62% | 49.15% | 69.33% | 65.34% | +1,081 bps | |
| Liquid Assets / Assets | 54.09% | 56.77% | 59.31% | 55.66% | 56.16% | 61.02% | 45.77% | 0.00% | -5,566 bps | |