Cleveland, OH · Charter 3455
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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 3455
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | -0.95% | -0.76% | -3.10% | -1.87% | -1.59% | -1.46% | -1.96% | +114 bps | |
| Return on Equity | 0.64% | -9.83% | -6.52% | -31.78% | -19.04% | -17.61% | -13.32% | -18.57% | +1,321 bps | |
| Net Interest Margin | 6.93% | 6.74% | 7.66% | 6.29% | 6.13% | 5.73% | 6.81% | 6.63% | +34 bps | |
| Efficiency Ratio | 99.11% | 99.15% | 98.27% | 109.84% | 109.60% | 105.93% | 103.36% | 128.57% | +1,873 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.85% | -1.82% | -11.17% | -6.96% | -11.13% | -4.94% | -5.91% | -15.69% | -873 bps | |
| Loan Growth (YoY) | -25.00% | -30.56% | -35.58% | -28.14% | -28.30% | -18.04% | -7.01% | -15.04% | +1,311 bps | |
| Share Growth (YoY) | -2.53% | -1.33% | -11.83% | -6.28% | -10.74% | -4.23% | -5.14% | -16.25% | -997 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.64% | 1.28% | 1.40% | 2.98% | 2.48% | 4.83% | 3.58% | 7.39% | +441 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 | 0.94% | 1.89% | 2.10% | 2.17% | 1.51% | 2.11% | 2.51% | 3.27% | +110 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.21% | 9.62% | 11.69% | 9.75% | 9.82% | 9.01% | 10.96% | 10.53% | +78 bps | |
| Net Worth / Assets | 10.21% | 9.62% | 11.69% | 9.75% | 9.82% | 9.01% | 10.96% | 10.53% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.17% | 45.89% | 51.47% | 43.35% | 41.11% | 39.27% | 50.46% | 43.98% | +63 bps | |
| Liquid Assets / Assets | 49.67% | 54.93% | 50.16% | 56.59% | 58.86% | 61.20% | 51.74% | 57.16% | +57 bps | |