PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Brecksville School Employees

Broadview Heigh, OH · Charter 96670

Q3 2006

$3.4MAssets
$1.9MLoans
$2.8MShares
$640KNet Worth

Executive Summary

  • Earnings: ROA of 0.55%; NIM at 4.45%.
  • Asset quality: problem loans at 1.90% of loans.
  • Capital: net worth / assets of 18.71%.
  • Funding: loans stand at 68.61% of shares as of Q3 2006.

Return on Assets (YTD, annualized)

0.55%

Net Interest Margin (YTD, annualized)

4.45%

Efficiency Ratio (YTD, annualized)

76.46%

Net Worth / Assets

18.71%

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.47%0.55%n/a
Return on Equity2.85%2.92%n/a
Net Interest Margin3.74%4.45%n/a
Efficiency Ratio79.22%76.46%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans2.56%1.90%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans1.14%0.93%n/a
Capital
Risk-Based Capital16.45%18.71%n/a
Net Worth / Assets16.45%18.71%n/a
Liquidity & Funding
Loans / Shares54.82%68.61%n/a
Liquid Assets / Assets0.00%0.00%n/a