Cincinnati, OH · Charter 63510
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 63510
Q1 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.40% | 0.44% | 0.35% | 0.17% | -29 bps | |
| Return on Equity | 3.75% | 3.31% | 3.74% | 2.88% | 1.42% | -233 bps | |
| Net Interest Margin | 3.63% | 3.58% | 3.41% | 3.50% | 3.03% | -60 bps | |
| Efficiency Ratio | 88.23% | 89.44% | 87.86% | 90.53% | 94.84% | +661 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.42% | 8.20% | 9.52% | 5.05% | 4.18% | -324 bps | |
| Loan Growth (YoY) | 3.68% | -0.31% | 2.27% | -7.83% | -6.07% | -976 bps | |
| Share Growth (YoY) | 9.00% | 9.46% | 9.82% | 5.24% | 4.07% | -493 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.00% | 0.00% | 0.00% | 0.65% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.20% | 0.20% | 0.23% | 0.23% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.17% | 12.09% | 11.73% | 12.20% | 11.96% | -21 bps | |
| Net Worth / Assets | 12.17% | 12.09% | 11.73% | 12.20% | 11.96% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.49% | 72.72% | 71.54% | 69.14% | 68.14% | -736 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |