Cuyahoga Falls, OH · Charter 96694
Q3 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.16% | 0.02% | 0.03% | -0.07% | -0.22% | -0.53% | -2.58% | -261 bps | |
| Return on Equity | 0.36% | 0.44% | 0.04% | 0.07% | -0.19% | -0.60% | -1.36% | -6.66% | -673 bps | |
| Net Interest Margin | 4.52% | 4.98% | 5.38% | 4.86% | 4.37% | 4.49% | 4.52% | 3.17% | -169 bps | |
| Efficiency Ratio | 97.33% | 96.74% | 96.99% | 99.47% | 101.55% | 104.90% | 111.82% | 181.55% | +8,208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.69% | -4.57% | -9.85% | -6.46% | -3.41% | -0.08% | 1.65% | -7.25% | -79 bps | |
| Loan Growth (YoY) | 7.22% | 18.17% | 2.29% | 4.59% | 1.25% | -23.89% | -25.38% | -47.30% | -5,189 bps | |
| Share Growth (YoY) | 4.02% | -7.09% | -15.49% | -10.40% | -5.41% | 0.31% | 3.50% | -7.54% | +286 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.98% | 3.24% | 3.83% | 3.67% | 3.81% | 7.82% | 8.64% | 8.99% | +533 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 | 4.71% | 3.17% | 3.70% | 3.67% | 3.82% | 4.16% | 4.66% | 3.61% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.73% | 36.90% | 39.73% | 38.26% | 34.86% | 36.68% | 38.58% | 38.75% | +49 bps | |
| Net Worth / Assets | 33.73% | 36.90% | 39.73% | 38.26% | 34.86% | 36.68% | 38.58% | 38.75% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.85% | 106.27% | 109.65% | 97.56% | 81.18% | 80.64% | 79.06% | 55.61% | -4,195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |