Cincinnati, OH · Charter 63323
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.71% | 3.76% | 4.19% | 4.96% | 4.21% | 2.27% | -0.31% | -0.32% | -529 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 | 4.50% | 4.85% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 101.21% | 98.81% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.55% | 6.58% | 4.92% | 6.08% | 7.32% | 10.76% | 1.38% | -3.37% | -945 bps | |
| Loan Growth (YoY) | -12.03% | 1.14% | 13.16% | 2.95% | -6.08% | -18.81% | -3.39% | 21.26% | +1,831 bps | |
| Share Growth (YoY) | -1.48% | 5.84% | 3.67% | 4.11% | 4.32% | 11.53% | 1.66% | -2.75% | -686 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.25% | 1.88% | 0.66% | 1.64% | 1.01% | 1.32% | 1.05% | 0.52% | -112 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 | 1.38% | 1.53% | 1.81% | 1.06% | 0.68% | 1.00% | 0.65% | 0.81% | -25 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 | 85.49% | 86.29% | 86.97% | 74.14% | 76.97% | 62.82% | 82.65% | 92.45% | +1,830 bps | |
| Liquid Assets / Assets | 20.32% | 21.72% | 21.20% | 35.15% | 24.56% | 37.88% | 21.23% | 13.64% | -2,151 bps | |