Cleveland, OH · Charter 4923
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.77% | 0.80% | 0.67% | 0.33% | 1.60% | 0.81% | -9.38% | -1,004 bps | |
| Return on Equity | 1.71% | 3.82% | 3.75% | 2.86% | 1.40% | 6.57% | 3.27% | -60.29% | -6,315 bps | |
| Net Interest Margin | 3.36% | 3.82% | 3.94% | 4.35% | 4.10% | 4.36% | 4.50% | -4.36% | -871 bps | |
| Efficiency Ratio | 89.84% | 79.87% | 79.77% | 75.94% | 84.76% | 66.59% | 79.99% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.96% | -10.77% | -11.95% | -18.21% | -11.76% | -14.11% | -10.53% | -5.98% | +1,222 bps | |
| Loan Growth (YoY) | 4.81% | -9.54% | -15.63% | -11.67% | -6.23% | 12.32% | 4.93% | -4.51% | +715 bps | |
| Share Growth (YoY) | -19.27% | -13.14% | -14.97% | -23.02% | -15.61% | -18.58% | -14.33% | 3.75% | +2,677 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.31% | 12.94% | 16.01% | 23.15% | 20.06% | 19.83% | 13.16% | 11.80% | -1,135 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 | 2.17% | 2.70% | 2.75% | 3.52% | 2.49% | 2.32% | 2.83% | 2.03% | -149 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.10% | 20.23% | 21.31% | 23.27% | 23.61% | 24.34% | 24.61% | 15.56% | -772 bps | |
| Net Worth / Assets | 20.10% | 20.23% | 21.31% | 23.27% | 23.61% | 24.34% | 24.61% | 15.56% | -772 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.21% | 34.22% | 37.56% | 43.28% | 42.46% | 47.20% | 46.00% | 39.83% | -345 bps | |
| Liquid Assets / Assets | 53.67% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |