Cleveland, OH · Charter 61252
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.83% | -1.22% | -1.50% | -1.76% | -1.89% | -1.94% | -2.13% | -2.04% | -29 bps | |
| Return on Equity | -13.07% | -9.10% | -11.58% | -14.04% | -15.52% | -16.86% | -19.85% | -19.12% | -509 bps | |
| Net Interest Margin | 3.78% | 3.49% | 3.43% | 3.43% | 3.42% | 2.96% | 2.83% | 2.88% | -55 bps | |
| Efficiency Ratio | 112.82% | 129.46% | 132.19% | 139.42% | 139.89% | 124.76% | 138.23% | 142.18% | +276 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.28% | -1.73% | 0.59% | -1.27% | -4.58% | -0.54% | 0.57% | -1.98% | -70 bps | |
| Loan Growth (YoY) | -15.97% | -22.83% | -25.22% | -24.24% | -23.68% | -19.04% | -8.74% | -2.96% | +2,128 bps | |
| Share Growth (YoY) | 3.64% | 1.14% | 4.20% | 2.08% | -2.21% | 1.91% | 3.22% | 0.16% | -192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.34% | 5.37% | 3.34% | 3.77% | 3.40% | 3.78% | 0.94% | 1.94% | -183 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 | 2.89% | 3.10% | 2.44% | 2.41% | 2.40% | 3.61% | 2.89% | 2.88% | +48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.03% | 13.45% | 12.97% | 12.52% | 12.18% | 11.49% | 10.75% | 10.69% | -183 bps | |
| Net Worth / Assets | 14.03% | 13.45% | 12.97% | 12.52% | 12.18% | 11.49% | 10.75% | 10.69% | -183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.60% | 36.19% | 33.47% | 31.94% | 30.12% | 28.75% | 29.59% | 30.95% | -100 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |