Lakewood, OH · Charter 63365
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.53% | 3.42% | 3.19% | 1.64% | 2.07% | 3.36% | -2.92% | -12.34% | -1,398 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 | 5.05% | 5.82% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 109.10% | 143.36% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.07% | 12.26% | 17.63% | 15.73% | 47.16% | 46.17% | 33.25% | 19.66% | +393 bps | |
| Loan Growth (YoY) | 18.06% | 18.06% | 25.57% | 33.12% | 29.96% | 58.08% | 57.23% | 34.75% | +163 bps | |
| Share Growth (YoY) | 1.87% | 10.90% | 17.75% | 17.84% | 54.35% | 53.34% | 37.72% | 36.08% | +1,824 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.26% | 1.24% | 0.80% | 1.44% | 0.86% | 3.27% | 3.65% | +285 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% | 0.27% | 0.49% | 1.10% | 1.06% | 0.63% | 1.96% | 5.50% | +440 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 | 81.40% | 75.08% | 79.09% | 73.43% | 68.54% | 77.40% | 90.30% | 72.71% | -72 bps | |
| Liquid Assets / Assets | 10.42% | 9.77% | 11.18% | 11.23% | 13.89% | 12.38% | 2.42% | 2.54% | -869 bps | |