Cincinnati, OH · Charter 61308
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.37% | 3.99% | 3.64% | 3.98% | 0.77% | 0.96% | 0.98% | 0.79% | -319 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 11.71% | 9.88% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.03% | 4.11% | 3.91% | 3.52% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 76.86% | 77.42% | 76.16% | 78.31% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.24% | 14.66% | 25.37% | 17.64% | 19.43% | 12.61% | 8.74% | 18.04% | +41 bps | |
| Loan Growth (YoY) | 45.76% | 55.81% | 40.47% | 35.20% | 35.37% | 32.56% | 29.00% | 22.23% | -1,296 bps | |
| Share Growth (YoY) | 6.35% | 13.05% | 25.30% | 21.15% | 19.46% | 11.89% | 3.82% | 13.28% | -787 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.75% | 0.54% | 0.52% | 0.91% | 0.52% | 0.33% | 0.45% | -7 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 | 0.61% | 0.46% | 0.93% | 0.84% | 1.24% | 1.05% | 1.12% | 1.13% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 8.40% | 8.02% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 8.40% | 8.02% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.98% | 74.45% | 74.23% | 73.28% | 84.96% | 88.21% | 92.23% | 79.07% | +579 bps | |
| Liquid Assets / Assets | 20.21% | 22.69% | 24.71% | 24.29% | 9.94% | 9.00% | 13.37% | 23.53% | -77 bps | |