Cincinnati, OH · Charter 15508
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Cincinnati, OH · Charter 15508
Q1 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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.10% | 0.44% | 0.71% | 0.76% | 0.66% | 0.76% | 1.37% | +65 bps | |
| Return on Equity | 0.98% | 0.72% | 3.04% | 4.89% | 4.94% | 4.23% | 4.76% | 8.65% | +376 bps | |
| Net Interest Margin | 3.41% | 3.68% | 3.98% | 4.06% | 4.19% | 4.21% | 4.31% | 4.47% | +41 bps | |
| Efficiency Ratio | 91.68% | 87.75% | 83.61% | 84.75% | 79.18% | 82.73% | 81.98% | 83.40% | -135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.31% | -4.76% | -8.23% | -8.05% | -9.64% | -8.19% | -3.38% | -1.95% | +611 bps | |
| Loan Growth (YoY) | 1.62% | 1.04% | 7.28% | 2.68% | 0.00% | 5.81% | 3.77% | 5.60% | +291 bps | |
| Share Growth (YoY) | -8.71% | -5.69% | -9.91% | -9.85% | -12.04% | -10.40% | -4.93% | -3.29% | +655 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.90% | 0.28% | 0.65% | 0.29% | 0.36% | 0.40% | 0.45% | -19 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 | 0.48% | 0.73% | 0.72% | 0.31% | 0.59% | 0.60% | 0.49% | 0.26% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.19% | 13.46% | 14.61% | 14.62% | 15.36% | 15.54% | 15.90% | 15.82% | +120 bps | |
| Net Worth / Assets | 13.19% | 13.46% | 14.61% | 14.62% | 15.36% | 15.54% | 15.90% | 15.82% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.34% | 53.30% | 59.52% | 56.87% | 59.50% | 62.94% | 64.97% | 62.09% | +523 bps | |
| Liquid Assets / Assets | 51.74% | 51.06% | 46.57% | 48.63% | 0.00% | 0.00% | 0.00% | 0.00% | -4,863 bps | |