Cincinnati, OH · Cert 34149
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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 34149
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.96% | 0.98% | 1.00% | 1.07% | 1.14% | 1.12% | 1.15% | +15 bps | |
| Return on Equity | 7.16% | 10.49% | 10.55% | 10.75% | 11.36% | 11.45% | 11.05% | 11.26% | +50 bps | |
| Net Interest Margin | 3.08% | 3.68% | 3.76% | 3.77% | 3.81% | 4.09% | 4.03% | 3.99% | +23 bps | |
| Efficiency Ratio | 67.55% | 60.67% | 60.68% | 60.26% | 59.64% | 59.59% | 60.37% | 59.39% | -87 bps | |
| Non-Interest Burden | 2.01% | 2.14% | 2.18% | 2.17% | 2.14% | 2.34% | 2.34% | 2.28% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.61% | 11.67% | 1.96% | 7.25% | 1.92% | 3.38% | 10.12% | 4.31% | -294 bps | |
| Loan Growth (YoY) | 18.36% | 12.87% | 4.76% | 2.76% | -4.01% | -2.69% | -2.40% | -7.92% | -1,068 bps | |
| Deposit Growth (YoY) | 22.59% | 17.34% | 9.12% | 17.33% | 8.15% | 7.95% | 13.18% | 4.61% | -1,272 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.79% | 0.82% | 0.85% | 0.87% | 0.93% | 0.93% | 0.93% | 0.97% | +10 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 | 10.25% | 10.41% | 10.75% | 10.80% | 11.31% | 11.78% | 12.50% | 13.30% | +249 bps | |
| Equity / Assets | 8.91% | 9.33% | 9.72% | 9.43% | 9.79% | 10.13% | 10.40% | 10.67% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.54% | 107.41% | 106.71% | 100.19% | 95.46% | 96.83% | 92.02% | 88.19% | -1,201 bps | |
| Liquid Assets / Assets | 0.23% | 0.20% | 0.32% | 0.13% | 0.13% | 0.13% | 0.13% | 0.13% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |