Lakewood, OH · Charter 96739
Q3 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 1.45% | 1.77% | 2.33% | 2.56% | 2.02% | +56 bps | |
| Return on Equity | 8.11% | 8.39% | 9.47% | 12.03% | 12.86% | 9.46% | +107 bps | |
| Net Interest Margin | 3.45% | 3.65% | 4.07% | 4.82% | 4.89% | 4.87% | +122 bps | |
| Efficiency Ratio | 61.92% | 60.85% | 57.15% | 52.38% | 48.33% | 59.15% | -169 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -6.10% | -9.41% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 18.64% | 1.24% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -9.93% | -13.78% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 1.14% | 1.42% | 2.68% | 2.53% | 2.89% | 2.45% | +102 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.03% | 2.69% | 2.59% | 2.48% | 2.56% | 1.10% | -159 bps | |
| Capital | ||||||||
| Risk-Based Capital | 16.50% | 17.33% | 18.72% | 19.34% | 19.91% | 21.31% | +398 bps | |
| Net Worth / Assets | 16.50% | 17.33% | 18.72% | 19.34% | 19.91% | 21.31% | +398 bps | |
| Liquidity & Funding | ||||||||
| Loans / Shares | 42.07% | 49.38% | 54.26% | 57.57% | 55.41% | 57.98% | +860 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |