Cincinnati, OH · Charter 3175
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.20% | 0.33% | 0.51% | 0.55% | 0.44% | 0.37% | -3.48% | -398 bps | |
| Return on Equity | 1.05% | 1.19% | 2.05% | 2.93% | 3.03% | 2.30% | 2.08% | -20.14% | -2,307 bps | |
| Net Interest Margin | 3.42% | 3.54% | 3.77% | 4.04% | 4.25% | 4.48% | 3.77% | 4.24% | +19 bps | |
| Efficiency Ratio | 93.21% | 92.14% | 84.49% | 83.54% | 84.10% | 85.82% | 80.18% | 122.51% | +3,897 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.97% | -2.49% | -3.63% | -5.86% | -7.23% | -10.18% | -6.06% | -8.37% | -251 bps | |
| Loan Growth (YoY) | -2.14% | -3.52% | -2.88% | -3.42% | -2.89% | -7.47% | -7.17% | -7.40% | -398 bps | |
| Share Growth (YoY) | -7.72% | -4.15% | -4.46% | -8.90% | -8.93% | -12.01% | -8.84% | -7.18% | +172 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 1.88% | 0.81% | 0.69% | 1.27% | 0.91% | 1.11% | 1.36% | +67 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 | 0.24% | 0.20% | 0.36% | 0.41% | 0.41% | 0.34% | 0.40% | 1.72% | +131 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.43% | 16.91% | 16.19% | 17.26% | 18.20% | 19.27% | 17.64% | 17.26% | 0 bps | |
| Net Worth / Assets | 16.43% | 16.91% | 16.19% | 17.26% | 18.20% | 19.27% | 17.64% | 17.26% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.02% | 80.28% | 73.77% | 79.30% | 82.12% | 84.42% | 75.12% | 79.11% | -18 bps | |
| Liquid Assets / Assets | 20.93% | 20.23% | 26.57% | 25.36% | 23.40% | 22.95% | 31.80% | 0.00% | -2,536 bps | |