Cleveland, OH · Charter 3435
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 3435
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.84% | -2.73% | -4.36% | -2.18% | -20.40% | -13.44% | -8.04% | -0.42% | +175 bps | |
| Return on Equity | -8.85% | -13.39% | -22.34% | -11.00% | -230% | -138.35% | -75.66% | -4.15% | +684 bps | |
| Net Interest Margin | 4.46% | 4.72% | 4.22% | 5.31% | 6.28% | 6.17% | 5.86% | 5.67% | +36 bps | |
| Efficiency Ratio | 134.00% | 133.58% | 200% | 115.48% | 136.01% | 132.95% | 136.58% | 107.04% | -844 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.00% | -7.95% | -13.39% | -13.36% | -20.71% | -14.96% | -11.89% | -17.26% | -390 bps | |
| Loan Growth (YoY) | -14.99% | -7.35% | -9.13% | 2.11% | -19.68% | -26.52% | -23.05% | -21.12% | -2,323 bps | |
| Share Growth (YoY) | -5.80% | -8.85% | -12.55% | -12.60% | -9.08% | -3.85% | -2.03% | -7.10% | +550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 30.65% | 29.89% | 33.27% | 32.45% | 15.02% | 0.93% | 0.54% | 12.89% | -1,957 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 | 0.74% | 2.79% | 2.99% | 1.50% | 12.50% | 6.59% | 6.88% | 6.16% | +466 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.82% | 20.41% | 19.51% | 19.80% | 8.88% | 9.72% | 10.63% | 10.16% | -964 bps | |
| Net Worth / Assets | 20.82% | 20.41% | 19.51% | 19.80% | 8.88% | 9.72% | 10.63% | 10.16% | -964 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.07% | 53.52% | 51.28% | 54.68% | 44.24% | 40.90% | 40.28% | 46.42% | -825 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |