Cleveland, OH · Charter 63219
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.30% | 0.98% | 0.43% | -4.40% | -3.63% | 0.39% | -4.97% | -540 bps | |
| Return on Equity | 4.59% | 2.58% | 8.62% | 3.77% | -58.75% | -51.62% | 5.03% | -71.09% | -7,485 bps | |
| Net Interest Margin | 5.07% | 4.84% | 4.40% | 4.47% | 3.85% | 4.12% | 7.19% | 2.17% | -230 bps | |
| Efficiency Ratio | 88.52% | 93.06% | 81.31% | 91.23% | 95.61% | 104.75% | 94.56% | 163.38% | +7,215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | -3.09% | 5.13% | 2.65% | 9.25% | 9.69% | -4.37% | -13.10% | -1,576 bps | |
| Loan Growth (YoY) | -21.18% | -17.55% | -12.11% | -18.15% | -12.07% | -5.21% | -4.44% | 6.95% | +2,510 bps | |
| Share Growth (YoY) | 0.07% | -4.64% | 2.82% | 1.73% | 8.85% | 15.89% | 4.61% | -7.64% | -936 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.64% | 8.82% | 9.27% | 11.37% | 11.80% | 4.39% | 5.89% | 1.78% | -959 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 | 4.59% | 4.75% | 4.84% | 5.42% | 12.80% | 5.67% | 5.73% | 5.73% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.85% | 11.70% | 11.39% | 11.46% | 7.50% | 7.04% | 7.78% | 6.99% | -447 bps | |
| Net Worth / Assets | 11.85% | 11.70% | 11.39% | 11.46% | 7.50% | 7.04% | 7.78% | 6.99% | -447 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.68% | 62.83% | 59.50% | 53.21% | 53.06% | 51.39% | 54.35% | 61.61% | +840 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |