Cincinnati, OH · Charter 24010
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.27% | 0.36% | 0.41% | 0.52% | -0.60% | -0.34% | -0.35% | -76 bps | |
| Return on Equity | n/a | n/a | 7.02% | 7.35% | 8.93% | -11.39% | -6.61% | -6.32% | -1,367 bps | |
| Net Interest Margin | 3.84% | 4.54% | 4.49% | 4.42% | 3.95% | 2.72% | 2.76% | 3.22% | -121 bps | |
| Efficiency Ratio | 87.97% | 85.38% | 89.80% | 84.11% | 86.79% | 112.07% | 104.29% | 104.39% | +2,028 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.16% | 24.22% | 4.49% | -9.24% | -10.41% | -3.34% | 6.12% | 1.38% | +1,062 bps | |
| Loan Growth (YoY) | 48.95% | 33.91% | 12.90% | -19.70% | -36.63% | -36.42% | -28.33% | -25.03% | -532 bps | |
| Share Growth (YoY) | 37.78% | 20.56% | 4.01% | -10.29% | -8.76% | -0.61% | 6.28% | 1.54% | +1,183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.84% | 2.29% | 1.72% | 1.54% | 1.75% | 1.43% | 2.17% | +46 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 | 0.59% | 0.96% | 0.78% | 0.71% | 0.81% | 0.85% | 1.08% | 0.86% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 5.10% | 5.55% | 5.82% | 5.24% | 5.09% | 5.51% | -4 bps | |
| Net Worth / Assets | n/a | n/a | 5.10% | 5.55% | 5.82% | 5.24% | 5.09% | 5.51% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.64% | 100.10% | 89.71% | 84.52% | 68.50% | 64.03% | 60.50% | 62.40% | -2,211 bps | |
| Liquid Assets / Assets | 2.29% | 2.21% | 9.39% | 14.73% | 30.42% | 35.24% | 35.14% | 29.31% | +1,459 bps | |