Cleveland, OH · Charter 7357
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | -0.41% | -1.14% | -5.78% | -1.01% | -21.45% | -19.40% | -9.17% | -339 bps | |
| Return on Equity | 2.30% | -2.59% | -7.35% | -34.67% | -6.04% | -255% | -147.81% | -89.15% | -5,448 bps | |
| Net Interest Margin | 4.32% | 4.23% | 3.58% | 3.00% | 3.12% | 4.16% | 1.62% | 1.97% | -102 bps | |
| Efficiency Ratio | 92.86% | 109.20% | 130.87% | 103.49% | 131.71% | 118.93% | 260% | 206% | +10,242 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.00% | -5.94% | -6.03% | -8.29% | -9.66% | -15.13% | -15.70% | -9.77% | -149 bps | |
| Loan Growth (YoY) | -17.45% | -1.58% | -5.71% | -13.50% | -18.38% | -37.22% | -38.75% | -42.34% | -2,884 bps | |
| Share Growth (YoY) | -9.06% | -7.55% | -7.08% | -9.36% | -11.59% | -6.86% | -12.52% | -3.22% | +614 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.91% | 17.74% | 14.41% | 9.40% | 17.65% | 21.03% | 29.94% | 32.19% | +2,279 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 | 4.99% | 4.76% | 5.56% | 5.66% | 7.13% | 8.64% | 8.31% | 3.73% | -194 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.82% | 15.96% | 15.56% | 16.68% | 16.78% | 8.42% | 13.13% | 10.29% | -639 bps | |
| Net Worth / Assets | 14.82% | 15.96% | 15.56% | 16.68% | 16.78% | 8.42% | 13.13% | 10.29% | -639 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.15% | 96.91% | 92.01% | 85.11% | 80.45% | 65.32% | 64.42% | 50.71% | -3,441 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |