Maple Heights, OH · Charter 63733
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Maple Heights, OH · Charter 63733
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.67% | -0.67% | -2.91% | -3.41% | -6.81% | -16.01% | 0.50% | -0.22% | +319 bps | |
| Return on Equity | -13.12% | -5.05% | -22.79% | -31.70% | -87.79% | -411% | 11.60% | -4.01% | +2,769 bps | |
| Net Interest Margin | 7.87% | 7.79% | 6.33% | 6.69% | 7.07% | 7.79% | 8.44% | 9.59% | +290 bps | |
| Efficiency Ratio | 77.19% | 73.14% | 81.25% | 85.62% | 76.81% | 74.63% | 80.97% | 90.45% | +483 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.15% | -5.89% | -9.43% | -0.16% | 3.66% | -5.40% | -15.70% | -38.25% | -3,809 bps | |
| Loan Growth (YoY) | -13.90% | -14.49% | -16.27% | -5.32% | -3.38% | -2.87% | -14.71% | -32.32% | -2,701 bps | |
| Share Growth (YoY) | 0.75% | 2.17% | -5.35% | 1.08% | 10.17% | 4.95% | -7.22% | -34.41% | -3,549 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.49% | 6.68% | 11.77% | 17.61% | 9.84% | 13.65% | 10.88% | 26.31% | +870 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 | 1.52% | 0.19% | 0.49% | 2.99% | 0.74% | 7.05% | 5.66% | 7.88% | +488 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.75% | 13.18% | 12.77% | 10.75% | 7.76% | 3.89% | 4.33% | 5.47% | -528 bps | |
| Net Worth / Assets | 12.75% | 13.18% | 12.77% | 10.75% | 7.76% | 3.89% | 4.33% | 5.47% | -528 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.52% | 92.91% | 87.43% | 82.34% | 84.65% | 85.98% | 80.37% | 84.96% | +262 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |