Lakewood, OH · Charter 3521
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Lakewood, OH · Charter 3521
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | -1.80% | -0.68% | 0.18% | -0.67% | 0.07% | 0.00% | 0.92% | +74 bps | |
| Return on Equity | 7.86% | -24.91% | -8.54% | 2.12% | -7.67% | 0.77% | 0.04% | 17.37% | +1,525 bps | |
| Net Interest Margin | 7.32% | 8.75% | 8.18% | 8.34% | 8.85% | 8.61% | 8.09% | 8.61% | +27 bps | |
| Efficiency Ratio | 64.36% | 51.66% | 52.84% | 59.79% | 66.06% | 62.70% | 61.47% | 72.34% | +1,255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.22% | -10.32% | -8.28% | -10.08% | -17.25% | -14.80% | -13.33% | -16.77% | -669 bps | |
| Loan Growth (YoY) | -7.62% | -9.92% | -13.08% | -17.05% | -18.63% | -18.05% | -21.11% | -33.71% | -1,667 bps | |
| Share Growth (YoY) | 1.59% | -6.18% | -8.78% | -9.93% | -17.06% | -16.81% | -14.50% | -13.81% | -389 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.16% | 19.47% | 31.33% | 34.98% | 34.76% | 38.01% | 46.71% | 34.41% | -57 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 | 5.39% | 7.79% | 7.04% | 7.06% | 7.67% | 8.96% | 8.67% | 0.00% | -706 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.43% | 7.21% | 7.91% | 8.43% | 8.68% | 9.30% | 9.13% | 5.30% | -313 bps | |
| Net Worth / Assets | 8.43% | 7.21% | 7.91% | 8.43% | 8.68% | 9.30% | 9.13% | 5.30% | -313 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.98% | 74.23% | 71.42% | 70.49% | 72.58% | 73.12% | 65.90% | 54.22% | -1,627 bps | |
| Liquid Assets / Assets | 34.16% | 34.23% | 36.89% | 37.73% | 0.00% | 0.00% | 0.00% | 0.00% | -3,773 bps | |