Cleveland, OH · Charter 65930
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Cleveland, OH · Charter 65930
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.78% | 0.28% | 1.67% | 1.11% | -0.09% | 0.00% | 0.34% | -0.15% | -126 bps | |
| Return on Equity | 10.92% | 1.18% | 6.68% | 4.45% | -0.46% | 0.00% | 1.64% | -0.67% | -513 bps | |
| Net Interest Margin | 4.60% | 2.72% | 3.33% | 2.22% | 1.45% | 1.85% | 1.74% | 1.36% | -86 bps | |
| Efficiency Ratio | 47.92% | 58.91% | 60.44% | 60.44% | 105.23% | 100.00% | 63.68% | 101.73% | +4,129 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.19% | -0.28% | -7.52% | -2.34% | 11.32% | -24.91% | 0.87% | 8.73% | +1,107 bps | |
| Loan Growth (YoY) | -8.57% | -41.86% | -56.05% | -46.26% | -52.34% | -29.87% | -36.66% | -16.79% | +2,946 bps | |
| Share Growth (YoY) | -6.00% | -4.68% | -11.20% | -3.06% | 18.85% | -15.50% | 6.64% | 12.89% | +1,595 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.65% | 27.60% | 18.26% | 18.26% | 38.94% | 21.60% | 25.36% | 38.87% | +2,061 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 | 0.84% | 6.05% | 0.99% | 0.99% | 4.47% | 0.00% | 8.94% | 2.52% | +153 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.44% | 24.02% | 24.94% | 24.94% | 20.39% | 14.79% | 20.47% | 21.67% | -327 bps | |
| Net Worth / Assets | 25.44% | 24.02% | 24.94% | 24.94% | 20.39% | 14.79% | 20.47% | 21.67% | -327 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.31% | 26.20% | 22.35% | 22.35% | 16.17% | 21.74% | 13.27% | 16.47% | -588 bps | |
| Liquid Assets / Assets | 65.84% | 78.47% | 80.23% | 80.23% | 85.62% | 73.38% | 87.68% | 85.03% | +480 bps | |