Cleveland, OH · Charter 62851
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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 62851
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.01% | -0.41% | -0.21% | 0.15% | 0.02% | 0.07% | -40.70% | -4,049 bps | |
| Return on Equity | 0.85% | 0.05% | -1.59% | -0.77% | 0.53% | 0.08% | 0.24% | n/a | n/a | |
| Net Interest Margin | 4.98% | 5.17% | 4.90% | 5.33% | 5.24% | 5.35% | 5.24% | 7.81% | +247 bps | |
| Efficiency Ratio | 95.65% | 99.75% | 108.18% | 103.91% | 97.23% | 99.58% | 98.42% | 119.74% | +1,583 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.02% | -11.84% | -10.38% | -2.02% | -7.96% | -6.43% | -6.35% | -32.36% | -3,034 bps | |
| Loan Growth (YoY) | 13.58% | 9.88% | 9.15% | 7.64% | 4.56% | 11.62% | 13.02% | 14.27% | +662 bps | |
| Share Growth (YoY) | -14.69% | -14.87% | -14.28% | -13.44% | -12.58% | 0.29% | -4.04% | 4.32% | +1,775 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.82% | 4.97% | 6.55% | 5.70% | 6.20% | 5.29% | 5.84% | 3.75% | -195 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 | 5.76% | 4.84% | 4.73% | 4.83% | 4.69% | 4.33% | 4.21% | 47.53% | +4,270 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.70% | 26.59% | 25.56% | 27.53% | 27.69% | 28.20% | 27.45% | 0.00% | -2,753 bps | |
| Net Worth / Assets | 25.70% | 26.59% | 25.56% | 27.53% | 27.69% | 28.20% | 27.45% | 0.00% | -2,753 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.64% | 74.75% | 75.74% | 80.88% | 77.32% | 83.20% | 89.20% | 88.59% | +772 bps | |
| Liquid Assets / Assets | 52.78% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |