Cincinnati, OH · Charter 4974
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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 · Charter 4974
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.53% | 4.47% | 4.61% | 4.24% | 3.53% | 4.14% | 3.73% | 3.73% | -52 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 | 8.35% | 7.87% | 12.55% | 15.90% | 30.95% | 35.97% | -6.16% | -1,871 bps | |
| Loan Growth (YoY) | n/a | 5.62% | -0.64% | 4.95% | 27.38% | 25.01% | 23.50% | 6.41% | +146 bps | |
| Share Growth (YoY) | n/a | 10.32% | 10.23% | 11.38% | 15.21% | 30.75% | 36.83% | -3.63% | -1,501 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 2.18% | 2.43% | 4.03% | 4.44% | 4.90% | 3.01% | 2.32% | -171 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 | 2.19% | 2.46% | 2.10% | 2.08% | 2.48% | 2.51% | 2.59% | 2.05% | -3 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 | 82.32% | 82.70% | 92.38% | 84.24% | 91.02% | 79.07% | 83.38% | 93.01% | +877 bps | |
| Liquid Assets / Assets | 21.30% | 18.00% | 10.66% | 15.57% | 6.04% | 23.92% | 17.87% | 4.76% | -1,081 bps | |