Cincinnati, OH · Charter 62821
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 62821
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.65% | 1.91% | 0.93% | 0.38% | 0.10% | 1.47% | 0.69% | 0.69% | +31 bps | |
| Return on Equity | -5.49% | 16.19% | 8.28% | 3.45% | 0.88% | 12.55% | 6.30% | 6.20% | +275 bps | |
| Net Interest Margin | 3.96% | 5.13% | 4.52% | 4.43% | 4.59% | 4.53% | 4.00% | 4.00% | -44 bps | |
| Efficiency Ratio | 97.97% | 73.46% | 85.62% | 87.98% | 90.13% | 77.02% | 78.75% | 81.91% | -608 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.71% | 18.05% | 20.84% | 12.03% | 1.29% | 0.69% | 2.22% | 3.39% | -864 bps | |
| Loan Growth (YoY) | 1.12% | 1.86% | -1.07% | -4.90% | -11.54% | -14.75% | -14.06% | -10.95% | -605 bps | |
| Share Growth (YoY) | 15.94% | 11.28% | 15.40% | 6.67% | 2.36% | 1.57% | 2.10% | 3.30% | -337 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.54% | 3.63% | 4.09% | 6.38% | 6.95% | 7.01% | 8.55% | 9.70% | +332 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 | 3.64% | 1.18% | 1.20% | 1.81% | 2.48% | 2.57% | 3.25% | 3.24% | +142 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.91% | 11.79% | 11.24% | 11.16% | 11.86% | 11.70% | 10.98% | 11.13% | -3 bps | |
| Net Worth / Assets | 11.91% | 11.79% | 11.24% | 11.16% | 11.86% | 11.70% | 10.98% | 11.13% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.41% | 62.15% | 57.53% | 56.40% | 56.53% | 52.17% | 48.42% | 48.62% | -778 bps | |
| Liquid Assets / Assets | 42.04% | 43.36% | 47.26% | 48.10% | 48.77% | 52.15% | 54.73% | 54.63% | +654 bps | |