Cuyahoga Hts, OH · Charter 63172
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.39% | 3.55% | 3.65% | 3.82% | 3.60% | 3.55% | 3.90% | 3.88% | +6 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -7.44% | -5.47% | -4.89% | -1.97% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -10.83% | -10.95% | -13.71% | -11.31% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -10.18% | -7.82% | -7.44% | -4.31% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.59% | 3.70% | 2.41% | 2.14% | 2.90% | 1.84% | 1.77% | 1.42% | -72 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 | 2.84% | 2.71% | 2.93% | 3.17% | 3.49% | 3.38% | 3.48% | 3.59% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.69% | 69.63% | 72.32% | 74.30% | 65.21% | 67.26% | 67.42% | 68.86% | -544 bps | |
| Liquid Assets / Assets | 22.80% | 29.13% | 30.63% | 19.31% | 25.68% | 26.26% | 35.66% | 33.90% | +1,459 bps | |