Cleveland, OH · Charter 96740
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 96740
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.38% | -1.42% | -0.59% | -0.34% | -0.14% | 3.28% | 0.15% | 0.17% | +51 bps | |
| Return on Equity | -34.82% | -23.15% | -9.29% | -5.22% | -1.79% | 38.84% | 1.89% | 2.18% | +740 bps | |
| Net Interest Margin | 2.19% | 1.90% | 2.01% | 2.05% | 2.63% | 5.44% | 2.27% | 2.27% | +22 bps | |
| Efficiency Ratio | 93.02% | 103.19% | 94.85% | 93.79% | 90.24% | 40.73% | 93.84% | 92.96% | -82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.79% | -4.76% | -19.37% | -19.90% | -27.61% | -16.52% | -16.38% | -12.86% | +704 bps | |
| Loan Growth (YoY) | -16.40% | -9.67% | -14.85% | -1.23% | 16.27% | -38.94% | -5.41% | -19.79% | -1,856 bps | |
| Share Growth (YoY) | 19.02% | 9.09% | -10.84% | -11.08% | -23.48% | -18.58% | -17.72% | -14.07% | -299 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 32.32% | 26.82% | 29.81% | 29.98% | 32.88% | 1.61% | 1.11% | 1.13% | -2,885 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 | 14.07% | 25.67% | 28.17% | 26.00% | 27.67% | 3.73% | 6.93% | 7.35% | -1,865 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.59% | 6.12% | 6.30% | 6.48% | 7.65% | 8.44% | 7.82% | 7.72% | +124 bps | |
| Net Worth / Assets | 12.59% | 6.12% | 6.30% | 6.48% | 7.65% | 8.44% | 7.82% | 7.72% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.93% | 58.87% | 54.69% | 60.64% | 66.75% | 44.15% | 62.87% | 56.60% | -404 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |