Cincinnati, OH · Charter 20813
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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 20813
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.72% | 4.02% | 3.21% | 3.75% | 4.27% | +54 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 11.79% | 13.91% | 26.01% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 4.18% | 22.25% | 25.00% | n/a | |
| Share Growth (YoY) | n/a | n/a | 12.90% | 12.66% | 26.05% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 3.17% | 1.69% | 1.14% | 1.26% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 0.95% | 1.15% | 0.71% | 0.99% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.07% | 83.35% | 85.00% | 100.29% | 81.38% | -69 bps | |
| Liquid Assets / Assets | 22.28% | 20.45% | 19.60% | 6.87% | 22.63% | +35 bps | |