Cincinnati, OH · Charter 63339
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 | 4.22% | 4.05% | 4.45% | 5.25% | 0.53% | 0.21% | 0.02% | 0.05% | -520 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 0.08% | 0.16% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.60% | 3.45% | 2.94% | 5.88% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 85.20% | 94.06% | 99.15% | 99.15% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.50% | -2.22% | 1.02% | -21.83% | -14.97% | -17.82% | -14.90% | 0.74% | +2,257 bps | |
| Loan Growth (YoY) | 11.81% | -20.19% | -23.47% | -14.71% | 15.99% | 17.18% | -23.64% | -25.02% | -1,031 bps | |
| Share Growth (YoY) | -3.61% | -5.55% | -1.84% | -29.91% | -20.06% | -24.88% | -20.52% | 1.71% | +3,161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 1.28% | 1.35% | 1.32% | 1.34% | 0.00% | 12.40% | 12.40% | +1,108 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 | 2.09% | 2.20% | 2.31% | 2.22% | 1.84% | 1.91% | 1.03% | 1.03% | -120 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 31.16% | 31.16% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 31.16% | 31.16% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.96% | 83.21% | 88.23% | 114.98% | 127.62% | 129.80% | 84.76% | 84.76% | -3,022 bps | |
| Liquid Assets / Assets | 16.68% | 17.01% | 18.70% | 2.19% | 0.72% | 0.72% | 42.50% | 42.50% | +4,032 bps | |