Cincinnati, OH · Charter 61372
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | -5.92% | -2.40% | -3.95% | 0.40% | 0.56% | -1.21% | -1.06% | +289 bps | |
| Return on Equity | 6.17% | -76.41% | -29.98% | -56.18% | 5.39% | 7.36% | -18.21% | -15.13% | +4,106 bps | |
| Net Interest Margin | 4.61% | 4.95% | 4.97% | 4.92% | 5.31% | 5.20% | 5.21% | 5.40% | +48 bps | |
| Efficiency Ratio | 88.50% | 186.50% | 64.35% | 89.02% | 93.22% | 91.52% | 94.74% | 97.19% | +816 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | -6.53% | -11.45% | -10.46% | -13.38% | -7.00% | -7.23% | -12.90% | -244 bps | |
| Loan Growth (YoY) | -6.28% | -4.49% | -1.83% | -5.84% | -13.91% | -14.83% | -20.47% | -18.39% | -1,255 bps | |
| Share Growth (YoY) | -1.69% | -5.01% | -6.60% | -7.60% | -8.09% | -5.29% | -7.75% | -13.23% | -563 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.82% | 10.70% | 13.62% | 12.45% | 10.04% | 10.12% | 10.54% | 11.29% | -116 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 | 0.88% | 4.49% | 4.46% | 0.85% | 1.41% | 2.46% | 2.46% | 1.77% | +92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.97% | 7.75% | 8.02% | 7.03% | 7.35% | 7.54% | 6.63% | 7.01% | -2 bps | |
| Net Worth / Assets | 9.97% | 7.75% | 8.02% | 7.03% | 7.35% | 7.54% | 6.63% | 7.01% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.06% | 95.58% | 95.66% | 88.23% | 84.35% | 85.95% | 82.47% | 82.99% | -524 bps | |
| Liquid Assets / Assets | 13.87% | 9.26% | 7.59% | 10.35% | 13.13% | 19.75% | 23.29% | 19.40% | +905 bps | |