Cleveland, OH · Charter 61491
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.17% | -1.06% | 0.79% | 2.81% | 3.41% | 2.85% | 0.49% | -0.05% | -286 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 5.38% | 4.37% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 91.97% | 100.96% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.81% | -14.49% | -10.83% | -10.96% | -15.43% | -12.90% | -20.30% | -17.74% | -678 bps | |
| Loan Growth (YoY) | 35.80% | 31.89% | 10.30% | 12.29% | -24.80% | -37.17% | -44.82% | -50.05% | -6,234 bps | |
| Share Growth (YoY) | -8.38% | -12.47% | -7.45% | -7.62% | -12.73% | -13.81% | -22.54% | -19.69% | -1,207 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.54% | 11.65% | 5.49% | 8.86% | 12.66% | 5.86% | 12.97% | 11.92% | +307 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 | 4.10% | 6.26% | 7.40% | 3.60% | 4.84% | 6.09% | 5.98% | 2.21% | -139 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.90% | 104.51% | 100.95% | 106.97% | 93.84% | 76.18% | 71.90% | 66.53% | -4,044 bps | |
| Liquid Assets / Assets | 4.36% | 6.46% | 9.69% | 0.83% | 14.44% | 31.01% | 22.38% | 0.00% | -83 bps | |