Parma, OH · Charter 62889
Q3 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.69% | 0.70% | 0.40% | 0.70% | 0.01% | 0.10% | 0.32% | 0.49% | -21 bps | |
| Return on Equity | n/a | n/a | n/a | 5.61% | 0.09% | 0.88% | 2.88% | 4.30% | -131 bps | |
| Net Interest Margin | n/a | 2.50% | 2.68% | 2.51% | 2.21% | 2.08% | 2.22% | 2.42% | -9 bps | |
| Efficiency Ratio | n/a | 72.32% | 69.31% | 66.20% | 80.17% | 85.56% | 82.06% | 77.29% | +1,110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.28% | 32.29% | 28.08% | 31.22% | 22.10% | 23.87% | 24.46% | 13.26% | -1,796 bps | |
| Loan Growth (YoY) | 70.99% | 81.54% | 33.48% | 38.96% | 36.92% | 22.82% | 17.13% | -10.83% | -4,979 bps | |
| Share Growth (YoY) | 52.90% | 35.72% | 31.14% | 32.72% | 21.99% | 24.25% | 25.62% | 16.09% | -1,663 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.62% | 0.75% | 0.36% | 0.20% | 0.35% | 0.15% | 0.16% | -21 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 | 0.25% | 0.32% | 0.33% | 0.26% | 0.34% | 0.34% | 0.27% | 0.31% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 12.41% | 11.86% | 11.45% | 11.19% | 11.40% | -101 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 12.41% | 11.86% | 11.45% | 11.19% | 11.40% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.10% | 60.75% | 56.86% | 67.20% | 64.09% | 60.06% | 53.01% | 51.62% | -1,558 bps | |
| Liquid Assets / Assets | 38.22% | 40.52% | 37.01% | 37.03% | 33.52% | 29.61% | 19.46% | 23.01% | -1,403 bps | |