Cleveland, OH · Charter 62315
Q4 2002
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.98% | 1.04% | 0.59% | 0.87% | 0.64% | 0.69% | 0.48% | -12 bps | |
| Return on Equity | n/a | n/a | 5.97% | 3.27% | 4.48% | 3.33% | 3.54% | 2.40% | -87 bps | |
| Net Interest Margin | 4.23% | 4.28% | 4.83% | 4.86% | 4.99% | 4.39% | 4.29% | 4.22% | -64 bps | |
| Efficiency Ratio | 76.91% | 77.29% | 73.43% | 77.30% | 76.45% | 78.83% | 79.42% | 80.34% | +304 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.94% | 1.34% | 1.17% | -2.88% | -6.85% | -8.84% | -3.75% | -3.45% | -58 bps | |
| Loan Growth (YoY) | 14.42% | 6.16% | -7.21% | -21.32% | -28.11% | -30.59% | -27.68% | -31.10% | -977 bps | |
| Share Growth (YoY) | 7.11% | -0.68% | -0.86% | -5.35% | -10.17% | -11.89% | -5.70% | -5.30% | +5 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 1.91% | 3.17% | 2.26% | 4.89% | 2.83% | 1.49% | 4.53% | +227 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 | 1.37% | 1.05% | 1.74% | 0.94% | 1.45% | 0.93% | 0.97% | 1.68% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 17.37% | 18.15% | 19.39% | 19.29% | 19.40% | 19.84% | +168 bps | |
| Net Worth / Assets | n/a | n/a | 17.37% | 18.15% | 19.39% | 19.29% | 19.40% | 19.84% | +168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.09% | 65.57% | 61.60% | 58.59% | 57.69% | 51.66% | 47.24% | 42.63% | -1,596 bps | |
| Liquid Assets / Assets | 27.79% | 38.31% | 47.30% | 46.03% | 51.30% | 56.33% | 60.10% | 64.20% | +1,817 bps | |