Cincinnati, OH · Charter 21433
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.96% | 4.19% | 4.01% | 3.43% | 0.17% | -0.89% | -0.70% | 0.93% | -250 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -4.59% | 6.43% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.11% | 4.04% | 4.89% | 4.04% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 87.98% | 98.33% | 87.65% | 77.43% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.85% | 15.02% | 17.47% | 16.44% | 18.64% | 5.73% | -10.25% | -5.24% | -2,168 bps | |
| Loan Growth (YoY) | 11.06% | 11.16% | 2.46% | 4.34% | 9.78% | 16.67% | 8.49% | -8.68% | -1,302 bps | |
| Share Growth (YoY) | 11.77% | 17.37% | 16.14% | 17.20% | 20.11% | 1.03% | -12.02% | -5.03% | -2,224 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 2.00% | 1.74% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 0.63% | 0.63% | 0.83% | 0.62% | 0.54% | 1.08% | 1.17% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 15.27% | 14.51% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 15.27% | 14.51% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.69% | 81.27% | 82.78% | 82.00% | 84.72% | 93.86% | 102.08% | 78.85% | -315 bps | |
| Liquid Assets / Assets | 11.85% | 12.59% | 28.55% | 20.26% | 9.28% | 14.58% | 13.67% | 30.99% | +1,073 bps | |