Cleveland, OH · Charter 3620
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.05% | -4.56% | -4.21% | -4.29% | -4.27% | -4.74% | -5.71% | -10.46% | -616 bps | |
| Return on Equity | -17.72% | -20.24% | -22.47% | -24.45% | -25.55% | -30.31% | -38.02% | -79.62% | -5,517 bps | |
| Net Interest Margin | 2.24% | 2.53% | 2.27% | 2.45% | 2.38% | 2.40% | 2.74% | -1.92% | -438 bps | |
| Efficiency Ratio | 279% | 278% | 283% | 271% | 275% | 292% | 304% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.94% | 3.38% | 15.40% | 8.45% | 8.03% | 10.72% | -7.69% | -17.63% | -2,608 bps | |
| Loan Growth (YoY) | -43.21% | 26.91% | 7.55% | 8.64% | 47.89% | 33.21% | 17.01% | 7.42% | -122 bps | |
| Share Growth (YoY) | 22.20% | 14.00% | 28.16% | 17.58% | 16.26% | 19.82% | -3.30% | -13.04% | -3,063 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 25.61% | 15.35% | 13.10% | 13.99% | 7.23% | 14.53% | 12.66% | 25.31% | +1,132 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 | 7.82% | 5.70% | 5.41% | 6.38% | 5.25% | 4.21% | 4.53% | 5.68% | -70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.84% | 22.54% | 18.73% | 17.56% | 16.72% | 15.62% | 15.02% | 13.14% | -443 bps | |
| Net Worth / Assets | 22.84% | 22.54% | 18.73% | 17.56% | 16.72% | 15.62% | 15.02% | 13.14% | -443 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.89% | 23.22% | 20.70% | 17.36% | 20.21% | 25.81% | 25.04% | 21.44% | +409 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |