Cleveland, OH · Charter 7660
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 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 · Charter 7660
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.13% | -11.46% | -13.71% | -10.48% | -0.98% | -1.16% | -1.01% | +1,270 bps | |
| Return on Equity | 4.87% | 1.04% | -163.54% | -380% | -242% | -24.07% | -29.93% | -24.58% | +35,537 bps | |
| Net Interest Margin | 4.56% | 4.55% | 3.62% | 4.96% | 5.26% | 4.34% | 4.40% | 4.65% | -31 bps | |
| Efficiency Ratio | 87.28% | 97.22% | 126.15% | 99.63% | 90.66% | 122.69% | 125.78% | 121.75% | +2,212 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.51% | -20.29% | -23.70% | -12.20% | -17.58% | -17.96% | -16.64% | -16.73% | -453 bps | |
| Loan Growth (YoY) | -7.29% | -6.81% | -14.50% | -19.65% | -24.27% | -27.24% | -27.09% | -25.57% | -592 bps | |
| Share Growth (YoY) | -21.12% | -22.89% | -21.84% | -3.27% | -9.89% | -9.74% | -13.53% | -16.93% | -1,366 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 30.63% | 16.91% | 33.49% | 33.29% | 35.49% | 60.11% | 37.58% | 53.78% | +2,049 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 | 2.86% | 2.94% | 8.40% | 16.88% | 18.18% | 19.44% | 21.06% | 22.68% | +580 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.21% | 12.22% | 7.01% | 3.61% | 4.33% | 4.09% | 3.88% | 4.12% | +51 bps | |
| Net Worth / Assets | 12.21% | 12.22% | 7.01% | 3.61% | 4.33% | 4.09% | 3.88% | 4.12% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.45% | 72.63% | 65.80% | 62.88% | 62.57% | 58.55% | 55.48% | 56.34% | -654 bps | |
| Liquid Assets / Assets | 34.10% | 35.04% | 41.87% | 47.95% | 49.52% | 53.04% | 55.70% | 55.93% | +798 bps | |