Cleveland, OH · Charter 5049
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.19% | 2.23% | 2.14% | 0.93% | 2.07% | 2.16% | 2.17% | 2.26% | +133 bps | |
| Return on Equity | 17.34% | 17.45% | 16.72% | 7.42% | 16.25% | 17.27% | 17.15% | 17.90% | +1,048 bps | |
| Net Interest Margin | 2.82% | 2.79% | 2.71% | 2.92% | 2.87% | 2.81% | 2.81% | 2.77% | -15 bps | |
| Efficiency Ratio | 25.35% | 24.24% | 24.96% | 23.93% | 22.75% | 36.65% | 30.30% | 20.43% | -350 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.79% | 12.88% | 14.56% | 16.14% | 18.48% | 22.31% | 21.95% | 23.32% | +718 bps | |
| Loan Growth (YoY) | 13.13% | 12.78% | 14.75% | 16.94% | 17.11% | 21.69% | 21.98% | 21.00% | +405 bps | |
| Share Growth (YoY) | 10.00% | 14.34% | 15.59% | 17.19% | 19.01% | 23.32% | 22.69% | 23.63% | +644 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.32% | +432 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 | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.04% | 0.04% | 0.04% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.66% | 12.79% | 12.78% | 12.54% | 12.75% | 12.53% | 12.65% | 12.61% | +7 bps | |
| Net Worth / Assets | 12.66% | 12.79% | 12.78% | 12.54% | 12.75% | 12.53% | 12.65% | 12.61% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.97% | 112.78% | 112.72% | 112.31% | 111.17% | 111.29% | 112.07% | 109.92% | -239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |