Cleveland, OH · Charter 3429
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.27% | 5.23% | 3.37% | 5.45% | 2.50% | -3.66% | 5.58% | -7.54% | -1,299 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 | -2.41% | 0.68% | -15.63% | -36.74% | -46.55% | -4,414 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 18.93% | 16.47% | -11.84% | -50.17% | -65.43% | -8,436 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -6.93% | -0.30% | -3.96% | -40.13% | -47.55% | -4,062 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.23% | 7.72% | 9.16% | 6.82% | 23.57% | 26.17% | 21.65% | 38.79% | +3,197 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 | 3.75% | 3.70% | 6.48% | 5.74% | 10.85% | 19.47% | 6.07% | 16.01% | +1,027 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 | 94.98% | 110.12% | 98.59% | 109.93% | 110.96% | 101.09% | 82.06% | 72.46% | -3,746 bps | |
| Liquid Assets / Assets | 11.93% | 11.03% | 14.36% | 16.91% | 8.39% | 11.85% | 5.27% | 23.35% | +644 bps | |