Euclid, OH · Charter 4932
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Euclid, OH · Charter 4932
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | -1.02% | -1.28% | -1.00% | -0.99% | -0.70% | -0.20% | -1.20% | -20 bps | |
| Return on Equity | -4.99% | -6.82% | -9.15% | -7.11% | -6.99% | -4.90% | -1.44% | -4.87% | +224 bps | |
| Net Interest Margin | 1.30% | 1.29% | 1.12% | 1.14% | 1.09% | 1.07% | 0.94% | 1.66% | +52 bps | |
| Efficiency Ratio | 151.68% | 155.16% | 195.90% | 188.06% | 190.44% | 192.58% | 207% | 215% | +2,716 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.14% | -4.99% | -1.69% | 0.04% | -2.29% | -0.68% | -3.69% | -45.19% | -4,523 bps | |
| Loan Growth (YoY) | -2.55% | -13.87% | 5.11% | -7.83% | -5.61% | -17.24% | -36.68% | -69.24% | -6,141 bps | |
| Share Growth (YoY) | -4.11% | -4.74% | -1.73% | 1.32% | -1.23% | 0.04% | -2.72% | -51.92% | -5,324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.49% | 0.00% | 0.20% | 0.54% | 1.17% | 2.44% | 12.83% | 1.13% | +59 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 | 3.22% | 3.79% | 3.95% | 3.71% | 4.08% | 1.45% | 0.96% | 3.19% | -51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.93% | 14.93% | 14.03% | 14.00% | 14.10% | 14.33% | 14.16% | 24.61% | +1,061 bps | |
| Net Worth / Assets | 14.93% | 14.93% | 14.03% | 14.00% | 14.10% | 14.33% | 14.16% | 24.61% | +1,061 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 10.12% | 9.55% | 10.61% | 9.82% | 9.67% | 7.90% | 6.91% | 6.28% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |