Cincinnati, OH · Charter 12537
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.91% | 4.69% | 4.54% | 0.76% | 0.70% | 0.67% | 0.33% | 0.48% | -28 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.46% | 2.82% | 4.05% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.88% | 2.72% | 2.81% | 2.50% | 2.56% | -32 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 74.05% | 74.13% | 76.24% | 86.97% | 81.56% | +751 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.72% | 2.01% | 7.94% | 16.39% | 7.19% | 3.89% | 7.45% | 4.20% | -1,219 bps | |
| Loan Growth (YoY) | -21.87% | 19.98% | -14.44% | -15.46% | -19.91% | -24.71% | 24.41% | -60.47% | -4,501 bps | |
| Share Growth (YoY) | -0.39% | 0.46% | 9.78% | 19.25% | 8.67% | 2.73% | 7.14% | 3.77% | -1,548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.51% | 1.22% | 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 | 0.58% | 0.47% | 0.59% | 0.55% | 0.72% | 0.62% | 0.48% | 1.39% | +84 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.24% | 11.80% | 11.81% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.24% | 11.80% | 11.81% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.30% | 67.23% | 52.05% | 52.81% | 40.02% | 49.27% | 60.44% | 20.12% | -3,269 bps | |
| Liquid Assets / Assets | 45.05% | 35.92% | 40.46% | 25.90% | 60.81% | 55.14% | 45.56% | 80.61% | +5,471 bps | |