Cincinnati, OH · Charter 20421
Q4 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -0.86% | -0.37% | -0.53% | 0.22% | -3.41% | -3.18% | -2.44% | -191 bps | |
| Return on Equity | -2.56% | -2.78% | -1.08% | -1.41% | 0.59% | -9.26% | -7.94% | -5.89% | -448 bps | |
| Net Interest Margin | 5.24% | 5.45% | 5.86% | 6.77% | 7.84% | 6.90% | 7.17% | 7.11% | +34 bps | |
| Efficiency Ratio | 112.96% | 114.10% | 105.64% | 107.20% | 97.31% | 122.85% | 124.82% | 118.13% | +1,094 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.47% | -14.83% | -11.77% | -25.24% | -21.61% | -18.74% | -19.78% | -14.82% | +1,042 bps | |
| Loan Growth (YoY) | 17.59% | 26.87% | 44.07% | 8.26% | -0.95% | -7.14% | -32.61% | -26.85% | -3,511 bps | |
| Share Growth (YoY) | -15.02% | -19.11% | -15.27% | -34.56% | -30.48% | -25.83% | -27.64% | -20.02% | +1,454 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.36% | 4.20% | 3.20% | 4.05% | 13.98% | 14.96% | 16.08% | 21.36% | +1,732 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 | 1.89% | 1.91% | 1.50% | 1.77% | 1.91% | 1.87% | 2.02% | 2.19% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.03% | 31.01% | 33.84% | 37.82% | 37.77% | 36.90% | 40.06% | 41.50% | +368 bps | |
| Net Worth / Assets | 30.03% | 31.01% | 33.84% | 37.82% | 37.77% | 36.90% | 40.06% | 41.50% | +368 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.96% | 105.11% | 151.58% | 154.10% | 142.42% | 131.60% | 141.18% | 140.94% | -1,316 bps | |
| Liquid Assets / Assets | 30.58% | 28.32% | 0.76% | 5.30% | 0.00% | 18.29% | 17.01% | 19.38% | +1,407 bps | |