Cleveland, OH · Charter 96664
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.44% | -5.95% | -11.76% | -10.28% | -10.53% | -11.51% | -7.78% | -9.75% | +53 bps | |
| Return on Equity | -19.63% | -24.02% | -54.48% | -52.46% | -57.49% | -67.45% | -54.87% | -74.11% | -2,165 bps | |
| Net Interest Margin | 6.59% | 7.26% | 6.45% | 5.35% | 5.38% | 5.63% | 3.61% | 3.84% | -152 bps | |
| Efficiency Ratio | 139.22% | 142.79% | 197.51% | 225% | 240% | 251% | 264% | 297% | +7,142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.71% | -35.52% | -23.84% | -23.02% | -20.25% | -13.22% | -9.10% | -27.85% | -483 bps | |
| Loan Growth (YoY) | -23.37% | -21.74% | -43.98% | -45.72% | -23.53% | -26.22% | -15.20% | -44.07% | +165 bps | |
| Share Growth (YoY) | -22.30% | -39.56% | -22.92% | -20.82% | -15.84% | -4.28% | -0.50% | -22.12% | -130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 27.64% | 43.65% | 34.39% | 45.79% | 35.08% | 31.83% | 34.97% | 79.97% | +3,418 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 | 4.50% | 7.23% | 12.01% | 13.44% | 11.41% | 12.93% | 14.16% | 24.03% | +1,059 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.60% | 24.79% | 21.59% | 19.60% | 18.32% | 17.06% | 14.17% | 13.16% | -644 bps | |
| Net Worth / Assets | 22.60% | 24.79% | 21.59% | 19.60% | 18.32% | 17.06% | 14.17% | 13.16% | -644 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.10% | 54.83% | 41.30% | 36.31% | 44.62% | 42.27% | 35.20% | 26.07% | -1,023 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |