Cleveland, OH · Charter 96771
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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 96771
Q1 2011
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | -1.09% | -0.72% | -1.08% | -0.79% | -2.05% | -1.02% | -0.19% | +90 bps | |
| Return on Equity | 9.69% | -14.72% | -10.37% | -16.51% | -11.03% | -32.52% | -17.19% | -3.03% | +1,348 bps | |
| Net Interest Margin | 5.57% | 4.26% | 4.41% | 4.08% | 4.42% | 3.83% | 3.61% | 3.19% | -88 bps | |
| Efficiency Ratio | 85.92% | 124.91% | 115.92% | 125.66% | 117.12% | 150.89% | 126.68% | 105.78% | -1,988 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.68% | 13.76% | -0.31% | 5.43% | 4.65% | 2.55% | 3.65% | -7.06% | -1,249 bps | |
| Loan Growth (YoY) | 0.40% | -7.78% | -5.39% | -13.75% | -11.13% | -6.39% | -22.56% | -32.06% | -1,831 bps | |
| Share Growth (YoY) | -6.60% | 14.39% | -0.59% | 6.35% | 5.99% | 3.77% | 4.58% | -6.74% | -1,309 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.03% | 2.29% | 2.30% | 2.21% | 2.28% | 2.45% | 2.97% | 3.25% | +104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.30% | 7.39% | 6.96% | 6.57% | 7.16% | 6.30% | 5.91% | 6.22% | -35 bps | |
| Net Worth / Assets | 8.30% | 7.39% | 6.96% | 6.57% | 7.16% | 6.30% | 5.91% | 6.22% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.98% | 62.80% | 61.61% | 61.53% | 64.54% | 56.65% | 45.62% | 44.83% | -1,671 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |