Cincinnati, OH · Charter 21433
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 21433
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 | 3.43% | 0.17% | -0.89% | -0.70% | 0.93% | -250 bps | |
| Return on Equity | n/a | n/a | n/a | -4.59% | 6.43% | n/a | |
| Net Interest Margin | n/a | 4.11% | 4.04% | 4.89% | 4.04% | n/a | |
| Efficiency Ratio | n/a | 87.98% | 98.33% | 87.65% | 77.43% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 16.44% | 18.64% | 5.73% | -10.25% | -5.24% | -2,168 bps | |
| Loan Growth (YoY) | 4.34% | 9.78% | 16.67% | 8.49% | -8.68% | -1,302 bps | |
| Share Growth (YoY) | 17.20% | 20.11% | 1.03% | -12.02% | -5.03% | -2,224 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.02% | 1.96% | 9.54% | 1.49% | 2.85% | +83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.62% | 0.54% | 1.08% | 1.17% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 15.27% | 14.51% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 15.27% | 14.51% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.00% | 84.72% | 93.86% | 102.08% | 78.85% | -315 bps | |
| Liquid Assets / Assets | 20.26% | 9.28% | 14.58% | 13.67% | 30.99% | +1,073 bps | |