Cleveland, OH · Cert 753
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | 0.06% | 0.18%1 | 0.01% | 0.61% | -0.51% | 0.10% | -0.08% | -10 bps | |
| Return on Equity | -1.55% | 0.57% | 1.69% | 0.12% | 6.33% | -5.01% | 1.01% | -0.82% | -94 bps | |
| Net Interest Margin | 3.40% | 4.17% | 3.76% | 3.73% | 3.44% | 3.21% | 3.13% | 3.39% | -34 bps | |
| Efficiency Ratio | 102.88% | 82.50% | 93.98% | 91.30% | 74.20% | 100.00% | 88.77% | 82.40% | -890 bps | |
| Non-Interest Burden | 3.50% | 3.44% | 3.53% | 3.40% | 2.30% | 3.21% | 2.70% | 2.63% | -77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.38% | 7.52% | 9.80% | 6.28% | 5.46% | 4.60% | 1.16% | -4.21% | -1,049 bps | |
| Loan Growth (YoY) | -10.84% | -0.33% | 1.46% | 10.13% | 11.66% | 3.76% | 3.94% | 0.44% | -969 bps | |
| Deposit Growth (YoY) | 5.99% | 6.14% | 4.50% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.38% | -0.19% | 1.91% | 0.35% | 0.58% | 2.31% | 0.71% | 1.49% | +114 bps | |
| Allowance / Loans | 2.01% | 2.23% | 2.02% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 21.28% | 21.38% | 20.68% | 19.60% | 19.86% | 20.03% | 19.18% | 20.64% | +103 bps | |
| Equity / Assets | 10.95% | 10.70% | 10.76% | 9.20% | 10.20% | 10.15% | 9.66% | 10.74% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.77% | 56.97% | 56.00% | 60.89% | 61.28% | 61.49% | 61.65% | 64.96% | +408 bps | |
| Liquid Assets / Assets | 0.92% | 0.93% | 1.01% | 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 | n/a | n/a | n/a |