Cleveland, OH · Cert 34055
FDIC
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.71% | 1.55% | 1.68% | 1.62% | 1.63% | 1.75% | 1.76% | +8 bps | |
| Return on Equity | 13.75% | 16.12% | 14.69% | 16.01% | 15.47% | 14.98% | 16.18% | 16.20% | +19 bps | |
| Net Interest Margin | 5.20% | 5.41% | 5.23% | 5.08% | 4.94% | 4.94% | 5.01% | 4.89% | -19 bps | |
| Efficiency Ratio | 52.35% | 49.40% | 49.20% | 47.64% | 48.59% | 48.90% | 49.74% | 47.84% | +19 bps | |
| Non-Interest Burden | 1.61% | 1.61% | 1.55% | 1.33% | 1.37% | 1.39% | 1.54% | 1.27% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.07% | 17.32% | 19.56% | 20.45% | 13.63% | 7.67% | 5.23% | 3.32% | -1,713 bps | |
| Loan Growth (YoY) | 26.13% | 22.03% | 21.40% | 21.85% | 18.89% | 8.32% | 4.58% | 1.69% | -2,016 bps | |
| Deposit Growth (YoY) | -6.75% | -8.23% | 10.69% | 14.95% | 16.96% | 16.46% | -4.02% | -7.15% | -2,210 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 | 1.09% | 1.14% | 0.97% | 1.01% | 0.98% | 1.17% | 0.94% | 0.91% | -10 bps | |
| Allowance / Loans | 1.51% | 1.46% | 1.56% | 1.55% | 1.53% | 1.62% | 1.48% | 1.57% | +3 bps | |
| 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 | 11.22% | 11.90% | 11.51% | 11.47% | 11.75% | 12.42% | 11.62% | 11.84% | +36 bps | |
| Equity / Assets | 10.42% | 10.83% | 10.34% | 10.45% | 10.49% | 11.31% | 10.67% | 10.93% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 270% | 288% | 255% | 267% | 274% | 268% | 278% | 292% | +2,538 bps | |
| Liquid Assets / Assets | 0.06% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |