South Euclid, OH · Charter 62629
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.61% | 3.14% | 2.84% | 1.93% | 0.10% | 1.16% | 0.36% | 0.31% | -162 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 1.47% | 1.33% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.27% | 5.28% | 5.35% | 4.86% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 97.68% | 78.08% | 81.72% | 91.06% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.01% | -0.61% | -2.14% | -5.83% | -4.39% | -3.79% | -10.83% | -7.49% | -166 bps | |
| Loan Growth (YoY) | -9.53% | -9.34% | -10.75% | -22.41% | -21.62% | 12.25% | 14.17% | 16.55% | +3,897 bps | |
| Share Growth (YoY) | -7.69% | -2.90% | -4.35% | -7.83% | -5.17% | -4.92% | -12.94% | -10.20% | -237 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.89% | 2.53% | 3.59% | 2.36% | 2.49% | 0.91% | 2.46% | 3.21% | +86 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 | 1.22% | 1.37% | 1.18% | 1.29% | 0.82% | 0.63% | 1.05% | 1.04% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 24.27% | 23.42% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 24.27% | 23.42% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.35% | 72.30% | 70.93% | 65.64% | 65.58% | 85.35% | 93.02% | 85.19% | +1,955 bps | |
| Liquid Assets / Assets | 30.55% | 36.37% | 37.05% | 41.93% | 38.82% | 28.26% | 18.89% | 32.52% | -941 bps | |