Cleveland, OH · Charter 63895
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.38% | 0.44% | 0.54% | 0.53% | 0.52% | 0.48% | 0.41% | -13 bps | |
| Return on Equity | 1.80% | 2.50% | 2.83% | 3.37% | 3.32% | 3.12% | 2.84% | 2.40% | -97 bps | |
| Net Interest Margin | 3.76% | 3.77% | 3.81% | 3.95% | 3.93% | 4.06% | 4.09% | 4.14% | +18 bps | |
| Efficiency Ratio | 80.10% | 77.85% | 77.17% | 75.77% | 77.03% | 76.89% | 76.57% | 75.96% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.59% | -0.47% | 2.58% | 1.77% | -0.39% | -3.43% | -4.85% | -3.71% | -547 bps | |
| Loan Growth (YoY) | 10.46% | 14.49% | 17.67% | 15.91% | 5.20% | 7.59% | 4.30% | 5.94% | -996 bps | |
| Share Growth (YoY) | -1.47% | -1.42% | 2.19% | 1.64% | -0.94% | -4.50% | -6.06% | -4.88% | -652 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.17% | 0.46% | 0.43% | 0.31% | 0.20% | 0.32% | 0.34% | -9 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 | 0.96% | 1.10% | 1.07% | 1.16% | 1.14% | 0.98% | 1.14% | 0.92% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.44% | 15.41% | 15.44% | 16.02% | 16.10% | 16.57% | 16.78% | 17.05% | +103 bps | |
| Net Worth / Assets | 15.44% | 15.41% | 15.44% | 16.02% | 16.10% | 16.57% | 16.78% | 17.05% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.71% | 63.69% | 66.13% | 66.68% | 65.54% | 71.75% | 73.42% | 74.27% | +759 bps | |
| Liquid Assets / Assets | 23.50% | 25.04% | 23.85% | 24.32% | 25.57% | 21.18% | 28.40% | 21.18% | -314 bps | |