Cincinnati, OH · Charter 1814
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 1814
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.10% | 0.01% | 0.44% | 0.42% | +31 bps | |
| Return on Equity | n/a | n/a | 0.08% | 4.35% | 4.10% | n/a | |
| Net Interest Margin | 3.74% | 3.88% | 4.08% | 3.84% | 3.79% | +5 bps | |
| Efficiency Ratio | 96.54% | 98.21% | 100.23% | 94.22% | 94.80% | -174 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.76% | 1.31% | -1.73% | 1.41% | 2.12% | +288 bps | |
| Loan Growth (YoY) | 9.34% | 7.54% | 6.88% | 2.73% | 3.37% | -596 bps | |
| Share Growth (YoY) | 1.33% | 0.97% | -2.13% | 1.52% | 2.50% | +118 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.31% | 0.32% | 0.26% | 0.25% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.72% | 0.63% | 0.60% | 0.55% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 10.60% | 10.19% | 10.34% | n/a | |
| Net Worth / Assets | n/a | n/a | 10.60% | 10.19% | 10.34% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.58% | 77.31% | 81.98% | 75.96% | 79.25% | +67 bps | |
| Liquid Assets / Assets | 6.03% | 5.85% | 11.60% | 14.91% | 12.47% | +644 bps | |