Euclid, OH · Charter 63536
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 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.
Euclid, OH · Charter 63536
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -0.64% | -0.32% | -0.96% | -0.80% | -0.61% | -0.47% | -3.98% | -302 bps | |
| Return on Equity | 1.24% | -5.53% | -2.82% | -8.31% | -6.91% | -5.35% | -4.30% | -45.01% | -3,670 bps | |
| Net Interest Margin | 3.51% | 3.69% | 3.63% | 3.73% | 3.70% | 3.34% | 3.26% | 3.53% | -20 bps | |
| Efficiency Ratio | 96.76% | 107.61% | 103.93% | 104.93% | 105.31% | 114.45% | 111.44% | 145.65% | +4,072 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.97% | -11.45% | -8.14% | -11.89% | -10.14% | -5.88% | -3.25% | -2.63% | +927 bps | |
| Loan Growth (YoY) | 19.90% | 21.79% | 13.42% | 3.01% | -2.85% | -7.20% | -8.78% | -10.69% | -1,370 bps | |
| Share Growth (YoY) | -8.35% | -12.55% | -8.82% | -12.64% | -10.60% | -5.97% | -2.99% | 0.25% | +1,290 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.18% | 3.54% | 2.75% | 2.98% | 3.66% | 3.65% | 3.55% | 0.71% | -227 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 | 1.50% | 1.41% | 0.85% | 1.05% | 1.09% | 0.98% | 1.06% | 0.00% | -105 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.16% | 11.51% | 11.49% | 11.59% | 11.57% | 11.45% | 11.03% | 8.84% | -275 bps | |
| Net Worth / Assets | 11.16% | 11.51% | 11.49% | 11.59% | 11.57% | 11.45% | 11.03% | 8.84% | -275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.83% | 76.38% | 76.83% | 79.92% | 79.15% | 75.39% | 72.24% | 71.20% | -872 bps | |
| Liquid Assets / Assets | 12.95% | 8.78% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |