Cincinnati, OH · Charter 17776
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 17776
Q2 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.84% | -0.33% | -1.32% | -0.24% | -1.10% | -295 bps | |
| Return on Equity | n/a | n/a | n/a | -1.97% | -9.82% | n/a | |
| Net Interest Margin | n/a | 4.78% | 4.55% | 5.35% | 5.49% | n/a | |
| Efficiency Ratio | n/a | 104.25% | 106.98% | 95.81% | 111.45% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 6.38% | 3.54% | 5.04% | -1.24% | -11.68% | -1,805 bps | |
| Loan Growth (YoY) | -15.55% | -2.71% | 16.89% | 17.98% | 31.57% | +4,712 bps | |
| Share Growth (YoY) | 7.56% | 2.37% | 6.92% | -0.97% | -11.34% | -1,890 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.99% | 1.36% | 0.66% | 0.88% | 4.44% | +245 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.54% | 0.72% | 0.44% | 0.35% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 12.33% | 11.25% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 12.33% | 11.25% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.79% | 85.37% | 88.83% | 96.86% | 99.11% | +3,232 bps | |
| Liquid Assets / Assets | 34.85% | 20.00% | 9.50% | 12.54% | 9.01% | -2,584 bps | |