Cleveland, OH · Charter 64073
Q4 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.27% | 3.74% | 4.57% | 5.17% | 4.64% | 0.48% | 0.20% | 0.21% | -496 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.44% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.40% | 2.94% | 3.71% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 79.81% | 93.06% | 94.36% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | -13.89% | -29.75% | -30.67% | -28.51% | -24.66% | -7.55% | -24.64% | +604 bps | |
| Loan Growth (YoY) | -38.79% | -18.85% | 26.81% | 27.81% | 6.01% | -34.15% | -61.31% | -71.74% | -9,955 bps | |
| Share Growth (YoY) | -3.78% | -19.00% | -39.22% | -41.59% | -37.63% | -36.27% | -12.83% | -39.00% | +258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.35% | 0.85% | 3.58% | 0.98% | 0.96% | 3.55% | 12.69% | 22.58% | +2,160 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 | 11.54% | 9.23% | 7.47% | 4.98% | 6.72% | 9.25% | 13.37% | 20.71% | +1,573 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 47.60% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 47.60% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.97% | 40.81% | 67.23% | 65.75% | 49.25% | 42.16% | 29.84% | 30.46% | -3,528 bps | |
| Liquid Assets / Assets | 51.23% | 68.02% | 48.30% | 52.70% | 58.34% | 64.81% | 75.12% | 82.07% | +2,937 bps | |