Cleveland, OH · Charter 4820
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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 4820
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.11% | -4.38% | -2.86% | -2.61% | 0.78% | -12.59% | -9.86% | -7.72% | -511 bps | |
| Return on Equity | -46.11% | -78.48% | -48.92% | -49.85% | 13.61% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 6.98% | 4.18% | 4.54% | 4.48% | 5.56% | 5.59% | 6.22% | 5.20% | +72 bps | |
| Efficiency Ratio | 88.86% | 123.95% | 112.78% | 112.01% | 85.88% | 119.03% | 114.79% | 126.94% | +1,493 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.03% | -5.21% | -2.71% | -4.55% | -8.79% | -10.56% | -20.59% | -12.38% | -784 bps | |
| Loan Growth (YoY) | -33.08% | -20.65% | -17.20% | -12.11% | 1.76% | -4.68% | -15.87% | -23.87% | -1,177 bps | |
| Share Growth (YoY) | 7.52% | -3.08% | -0.88% | -2.57% | -8.18% | -5.12% | -15.26% | -5.70% | -313 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.15% | 14.85% | 19.67% | 18.18% | 18.12% | 12.83% | 13.84% | 16.39% | -179 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 | 1.13% | 1.15% | 1.13% | 1.13% | 1.26% | 6.53% | 4.35% | 4.32% | +319 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.75% | 5.58% | 5.84% | 5.24% | 5.70% | -0.50% | -0.69% | -1.75% | -698 bps | |
| Net Worth / Assets | 6.75% | 5.58% | 5.84% | 5.24% | 5.70% | -0.50% | -0.69% | -1.75% | -698 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.05% | 66.90% | 70.32% | 69.00% | 72.09% | 67.21% | 69.81% | 55.70% | -1,330 bps | |
| Liquid Assets / Assets | 34.27% | 31.90% | 28.17% | 30.11% | 26.15% | 30.35% | 25.59% | 40.56% | +1,045 bps | |