Cleveland, OH · Charter 66822
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.62% | 0.56% | 0.56% | 0.57% | 0.50% | 0.48% | 0.47% | -9 bps | |
| Return on Equity | 6.06% | 6.56% | 6.47% | 5.73% | 5.80% | 5.30% | 5.72% | 4.54% | -119 bps | |
| Net Interest Margin | 2.10% | 2.21% | 1.99% | 2.12% | 2.04% | 1.94% | 1.68% | 1.82% | -31 bps | |
| Efficiency Ratio | 79.75% | 78.22% | 78.11% | 77.62% | 75.96% | 77.27% | 75.33% | 78.68% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.53% | -3.70% | 11.74% | -7.17% | -0.82% | 4.79% | 7.69% | 0.56% | +773 bps | |
| Loan Growth (YoY) | -0.88% | -6.32% | -12.43% | -12.90% | -14.16% | -13.65% | -14.20% | -16.02% | -312 bps | |
| Share Growth (YoY) | -6.88% | -4.86% | 11.90% | -8.34% | -1.31% | 4.49% | 8.05% | 0.00% | +834 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.62% | 0.06% | 0.64% | 1.64% | 0.11% | 0.79% | 0.78% | +14 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 | 1.19% | 1.25% | 1.33% | 1.58% | 1.05% | 1.16% | 1.30% | 1.34% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.09% | 9.44% | 8.63% | 9.81% | 9.78% | 9.53% | 8.42% | 10.31% | +50 bps | |
| Net Worth / Assets | 9.09% | 9.44% | 8.63% | 9.81% | 9.78% | 9.53% | 8.42% | 10.31% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.47% | 43.97% | 36.89% | 41.59% | 39.55% | 36.34% | 29.30% | 34.93% | -666 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 95.51% | 0.00% | 0 bps | |