Cincinnati, OH · Charter 4718
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.36% | 2.54% | 2.58% | 2.24% | 2.30% | 2.19% | 1.69% | -3.24% | -548 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -0.40% | -2.19% | -8.91% | -6.71% | -10.31% | -992 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -1.87% | -14.72% | -22.74% | -22.83% | -28.40% | -2,654 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 0.40% | -2.97% | -11.19% | -8.48% | -7.27% | -767 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 2.10% | 2.47% | 5.05% | 4.69% | 2.92% | 2.75% | 2.49% | -256 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 | 1.46% | 1.56% | 1.73% | 1.43% | 1.80% | 1.43% | 1.70% | 1.81% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.20% | 111.50% | 106.09% | 94.18% | 96.85% | 97.01% | 89.46% | 72.72% | -2,146 bps | |
| Liquid Assets / Assets | 10.80% | 9.38% | 14.78% | 22.45% | 21.90% | 22.31% | 28.86% | 39.43% | +1,698 bps | |