Westlake, OH · Charter 66146
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.79% | 0.82% | 0.65% | 0.64% | 0.58% | 0.56% | 0.54% | -11 bps | |
| Return on Equity | 3.51% | 3.49% | 3.47% | 2.79% | 2.78% | 2.50% | 2.40% | 2.31% | -48 bps | |
| Net Interest Margin | 2.80% | 2.77% | 2.85% | 2.64% | 2.49% | 2.44% | 2.40% | 2.30% | -34 bps | |
| Efficiency Ratio | 72.05% | 71.68% | 71.48% | 75.51% | 74.34% | 76.33% | 76.81% | 76.89% | +138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.56% | 2.93% | -1.35% | -1.56% | 0.50% | 0.57% | 3.35% | 1.79% | +335 bps | |
| Loan Growth (YoY) | -5.02% | -18.39% | -20.86% | -19.23% | -26.28% | -25.82% | -19.39% | -31.62% | -1,239 bps | |
| Share Growth (YoY) | -3.19% | -0.94% | -2.86% | -2.22% | 0.77% | 1.11% | 4.85% | 1.93% | +414 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 6.84% | 7.62% | 7.75% | 7.22% | 6.36% | 7.07% | 6.99% | 8.78% | +156 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.40% | 22.55% | 23.49% | 23.20% | 23.00% | 23.06% | 23.28% | 23.32% | +12 bps | |
| Net Worth / Assets | 22.40% | 22.55% | 23.49% | 23.20% | 23.00% | 23.06% | 23.28% | 23.32% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.27% | 38.97% | 37.79% | 35.28% | 31.65% | 28.59% | 29.06% | 23.67% | -1,161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |