Cuyahoga Hts., OH · Charter 61379
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Cuyahoga Hts., OH · Charter 61379
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | -0.20% | -0.20% | -1.93% | 0.56% | -0.29% | -0.82% | -3.46% | -153 bps | |
| Return on Equity | 3.61% | -1.53% | -1.45% | -16.27% | 4.54% | -2.28% | -6.60% | -39.25% | -2,298 bps | |
| Net Interest Margin | 4.98% | 4.83% | 5.00% | 4.70% | 5.39% | 5.21% | 5.04% | 4.89% | +18 bps | |
| Efficiency Ratio | 86.52% | 98.80% | 98.60% | 104.42% | 85.09% | 96.57% | 104.72% | 127.20% | +2,277 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.73% | -10.42% | -7.77% | -2.08% | -6.51% | -10.51% | -9.40% | -11.23% | -915 bps | |
| Loan Growth (YoY) | -15.71% | -5.26% | 6.84% | 14.12% | 9.88% | -4.25% | -5.95% | -8.73% | -2,285 bps | |
| Share Growth (YoY) | -11.14% | -13.41% | -6.82% | -3.95% | -5.37% | -6.42% | -8.15% | -5.08% | -113 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.65% | 0.19% | 1.44% | 2.90% | 3.12% | 1.77% | 5.12% | +368 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 | 0.81% | 0.91% | 0.90% | 1.45% | 1.59% | 1.81% | 0.11% | 2.11% | +66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.26% | 13.32% | 13.64% | 11.85% | 12.23% | 12.75% | 12.47% | 8.81% | -303 bps | |
| Net Worth / Assets | 13.26% | 13.32% | 13.64% | 11.85% | 12.23% | 12.75% | 12.47% | 8.81% | -303 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.27% | 74.57% | 77.86% | 76.44% | 72.31% | 76.30% | 79.72% | 73.51% | -294 bps | |
| Liquid Assets / Assets | 41.92% | 33.64% | 28.32% | 30.79% | 32.31% | 30.27% | 25.12% | 29.77% | -102 bps | |