Cincinnati, OH · Cert 28009
FDIC
Q3 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.87% | 0.91% | 1.20% | 1.16% | 1.05% | 0.94% | 1.04% | -16 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 13.88% | 12.44% | 13.66% | n/a | |
| Net Interest Margin | n/a | 3.24% | 3.46% | 3.55% | 3.50% | 3.74% | 3.67% | 3.63% | +7 bps | |
| Efficiency Ratio | n/a | 60.54% | 58.85% | 53.61% | 52.99% | 58.48% | 59.65% | 58.10% | +449 bps | |
| Non-Interest Burden | n/a | 1.81% | 1.87% | 1.46% | 1.50% | 2.02% | 2.01% | 1.89% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.73% | 15.44% | 7.77% | 5.72% | 9.59% | 6.41% | 15.90% | 15.05% | +932 bps | |
| Loan Growth (YoY) | 19.26% | 16.02% | 7.17% | 6.68% | 2.88% | 6.54% | 16.61% | 9.65% | +297 bps | |
| Deposit Growth (YoY) | 19.23% | 23.45% | 15.38% | -2.99% | 4.61% | 2.83% | 8.26% | 15.14% | +1,812 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | -0.03% | 0.11% | 0.22% | 0.25% | 0.01% | 0.10% | 0.16% | -6 bps | |
| Allowance / Loans | n/a | 1.23% | 1.30% | 1.27% | 1.30% | 1.28% | 1.28% | 1.30% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | 10.10% | 10.38% | 10.28% | 10.38% | 10.10% | 10.11% | 10.46% | +18 bps | |
| Equity / Assets | n/a | 7.01% | 7.42% | 7.66% | 7.40% | 7.70% | 7.53% | 7.74% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.72% | 106.74% | 107.52% | 115.99% | 103.98% | 110.59% | 115.81% | 110.46% | -553 bps | |
| Liquid Assets / Assets | 0.00% | 1.32% | 0.92% | 0.82% | 0.78% | 0.77% | 0.65% | 0.64% | -18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |