Cincinnati, OH · Charter 18291
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.18% | 0.12% | -0.11% | 1.29% | -0.89% | -2.66% | -2.96% | -9.92% | -1,122 bps | |
| Return on Equity | -17.70% | 0.68% | -0.65% | 8.35% | -6.86% | -24.58% | -27.77% | n/a | n/a | |
| Net Interest Margin | 3.85% | 4.38% | 3.44% | 4.00% | 3.53% | 2.27% | 3.06% | 2.93% | -107 bps | |
| Efficiency Ratio | 108.09% | 97.54% | 127.84% | 69.31% | 116.47% | 202% | 150.29% | 381% | +31,139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.66% | -4.80% | 2.85% | 17.15% | 27.02% | 38.46% | 26.73% | -3.44% | -2,059 bps | |
| Loan Growth (YoY) | -3.95% | 10.77% | 25.36% | 49.37% | 43.60% | 29.25% | 22.96% | 5.53% | -4,384 bps | |
| Share Growth (YoY) | -7.23% | -3.28% | 4.20% | 21.85% | 34.42% | 49.60% | 36.40% | 12.08% | -977 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.10% | 2.48% | 2.65% | 1.84% | 2.64% | 3.38% | 1.80% | 3.02% | +118 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 | 3.28% | 2.95% | 1.68% | 0.99% | 0.40% | 0.58% | 1.51% | 8.62% | +762 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.99% | 17.42% | 16.74% | 15.47% | 12.97% | 10.83% | 10.65% | 0.00% | -1,547 bps | |
| Net Worth / Assets | 17.99% | 17.42% | 16.74% | 15.47% | 12.97% | 10.83% | 10.65% | 0.00% | -1,547 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.91% | 78.42% | 80.88% | 83.71% | 77.89% | 67.75% | 72.91% | 78.82% | -489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |