Cleveland, OH · Cert 753
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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 · Cert 753
FDIC
Q2 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10%1 | 0.27% | 0.07%1 | 0.10% | 0.01% | -9 bps | |
| Return on Equity | 0.94% | 2.66% | 0.73% | 1.01% | 0.09% | -85 bps | |
| Net Interest Margin | 3.63% | 3.60% | 3.51% | 3.13% | 3.28% | -35 bps | |
| Efficiency Ratio | 92.60% | 85.76% | 89.13% | 88.77% | 85.44% | -716 bps | |
| Non-Interest Burden | 3.36% | 3.03% | 3.09% | 2.70% | 2.68% | -68 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.28% | 5.46% | 4.60% | 1.16% | -4.21% | -1,049 bps | |
| Loan Growth (YoY) | 10.13% | 11.66% | 3.76% | 3.94% | 0.44% | -969 bps | |
| Deposit Growth (YoY) | 1.03% | -0.21% | -3.86% | -5.58% | -5.86% | -688 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.09% | 0.91% | 1.27% | 0.71% | 1.10% | 0 bps | |
| Allowance / Loans | 1.99% | 1.94% | 1.83% | 1.83% | 1.83% | -16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.60% | 19.86% | 20.03% | 19.18% | 20.64% | +103 bps | |
| Equity / Assets | 9.20% | 10.20% | 10.15% | 9.66% | 10.74% | +154 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.89% | 61.28% | 61.49% | 61.65% | 64.96% | +408 bps | |
| Liquid Assets / Assets | 0.12% | 0.09% | 0.03% | 0.05% | 0.02% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |