Cleveland, OH · Charter 61584
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.
Cleveland, OH · Charter 61584
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 | 0.22% | 0.87% | 0.81% | 0.33% | 0.88% | 1.30% | 1.05% | 0.80% | +47 bps | |
| Return on Equity | 0.86% | 3.27% | 2.94% | 1.17% | 3.07% | 4.23% | 3.30% | 2.46% | +129 bps | |
| Net Interest Margin | 3.92% | 4.04% | 4.18% | 4.42% | 4.02% | 4.47% | 4.54% | 4.50% | +8 bps | |
| Efficiency Ratio | 82.42% | 68.40% | 70.27% | 69.28% | 74.70% | 70.76% | 77.01% | 80.65% | +1,137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.36% | -3.67% | -7.10% | -8.94% | -10.74% | -12.10% | -12.77% | -11.75% | -281 bps | |
| Loan Growth (YoY) | 11.08% | 11.24% | 3.37% | 0.35% | -8.97% | -22.00% | -17.51% | -22.42% | -2,277 bps | |
| Share Growth (YoY) | -2.91% | -4.23% | -10.30% | -12.58% | -14.92% | -17.20% | -17.58% | -16.72% | -414 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 4.46% | 0.26% | 1.87% | 0.44% | 0.86% | 1.27% | 6.84% | +497 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 | 1.69% | 0.95% | 0.62% | 3.03% | 3.62% | 3.89% | 2.58% | 3.23% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.26% | 26.51% | 27.46% | 27.97% | 28.80% | 30.67% | 31.94% | 32.49% | +452 bps | |
| Net Worth / Assets | 25.26% | 26.51% | 27.46% | 27.97% | 28.80% | 30.67% | 31.94% | 32.49% | +452 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.68% | 48.14% | 49.08% | 48.00% | 44.60% | 45.35% | 49.12% | 44.72% | -329 bps | |
| Liquid Assets / Assets | 38.41% | 30.68% | 20.50% | 21.30% | 30.79% | 36.76% | 32.55% | 36.72% | +1,542 bps | |