Cincinnati, OH · Charter 63503
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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 63503
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 | -1.31% | -1.08% | -0.54% | -1.34% | 0.47% | -5.30% | -3.65% | -4.92% | -358 bps | |
| Return on Equity | -9.68% | -8.34% | -4.72% | -13.29% | 4.71% | -64.17% | -48.74% | -79.76% | -6,646 bps | |
| Net Interest Margin | 3.97% | 3.72% | 3.45% | 3.48% | 3.86% | 4.00% | 3.62% | 3.86% | +38 bps | |
| Efficiency Ratio | 126.82% | 125.58% | 113.27% | 111.30% | 86.44% | 92.57% | 96.00% | 103.12% | -818 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.06% | 0.38% | 17.26% | 30.21% | 23.29% | 8.72% | 1.27% | -8.91% | -3,912 bps | |
| Loan Growth (YoY) | 16.21% | 11.12% | 38.39% | 24.63% | 31.41% | 36.14% | -4.41% | -9.87% | -3,450 bps | |
| Share Growth (YoY) | -8.01% | 1.96% | 12.01% | 28.02% | 19.28% | 3.65% | 9.68% | 1.13% | -2,688 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.50% | 2.72% | 2.16% | 5.37% | 4.14% | 5.04% | 5.68% | 7.98% | +261 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 | 1.00% | 0.91% | 0.15% | 0.82% | 0.86% | 4.01% | 2.65% | 3.66% | +284 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.56% | 12.90% | 11.35% | 10.09% | 10.06% | 8.26% | 7.50% | 6.17% | -393 bps | |
| Net Worth / Assets | 13.56% | 12.90% | 11.35% | 10.09% | 10.06% | 8.26% | 7.50% | 6.17% | -393 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.83% | 77.22% | 95.20% | 89.95% | 92.35% | 101.43% | 82.97% | 80.16% | -979 bps | |
| Liquid Assets / Assets | 23.25% | 28.02% | 12.52% | 21.60% | 19.56% | 15.42% | 23.89% | 23.43% | +184 bps | |