Cincinnati, OH · Cert 28623
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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 · Cert 28623
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.12% | -5.36% | -5.95% | -2.44% | -3.20% | -3.20% | -3.50% | -2.41% | +3 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -48.14% | -31.39% | n/a | |
| Net Interest Margin | n/a | n/a | 1.27% | 1.12% | 0.93% | 1.08% | 1.27% | 1.62% | +50 bps | |
| Efficiency Ratio | n/a | n/a | 406% | 149.21% | 198.54% | 211% | 310% | 294% | +14,454 bps | |
| Non-Interest Burden | n/a | n/a | 6.26% | 3.13% | 3.96% | 4.20% | 4.49% | 5.39% | +226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | -20.12% | -29.02% | -36.60% | -37.07% | -22.87% | -18.05% | -22.08% | +1,451 bps | |
| Loan Growth (YoY) | 29.94% | -18.64% | -39.68% | -62.09% | -47.28% | -22.16% | -19.07% | -29.10% | +3,299 bps | |
| Deposit Growth (YoY) | -14.72% | -19.51% | -25.84% | -21.30% | -21.94% | -22.13% | -17.65% | -21.63% | -33 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 | n/a | 2.17% | 1.16% | 0.82% | 0.65% | 0.00% | 0.00% | -116 bps | |
| Allowance / Loans | n/a | n/a | 1.49% | 1.63% | 1.75% | 1.87% | 1.97% | 2.43% | +80 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 | n/a | 21.58% | 25.13% | 22.58% | 30.37% | 23.83% | 26.16% | +103 bps | |
| Equity / Assets | n/a | n/a | 7.91% | 8.39% | 7.98% | 7.10% | 7.43% | 8.54% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.35% | 48.29% | 49.71% | 47.60% | 46.16% | 48.27% | 48.85% | 43.06% | -454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 3.50% | 3.86% | 3.39% | 3.61% | 3.79% | 4.36% | +50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |