Cincinnati, OH · Charter 65280
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | 0.08% | 0.00% | 0.14% | 0.09% | 0.09% | 0.05% | 0.01% | -13 bps | |
| Return on Equity | -0.11% | 0.76% | 0.04% | 1.31% | 0.84% | 0.93% | 0.53% | 0.07% | -125 bps | |
| Net Interest Margin | 3.33% | 3.31% | 3.21% | 2.75% | 2.79% | 2.45% | 2.46% | 2.44% | -31 bps | |
| Efficiency Ratio | 95.58% | 71.96% | 75.22% | 96.19% | 92.74% | 97.04% | 98.27% | 99.78% | +359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.80% | 7.03% | 7.82% | 8.73% | 6.05% | 9.44% | 6.38% | 1.33% | -740 bps | |
| Loan Growth (YoY) | -19.28% | -2.51% | -3.76% | -4.68% | -10.37% | -14.92% | -15.01% | -13.90% | -922 bps | |
| Share Growth (YoY) | 0.79% | 7.94% | 8.72% | 9.00% | 6.78% | 10.70% | 7.06% | 1.61% | -739 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.17% | 1.14% | 1.15% | 1.25% | 0.98% | 0.86% | 0.78% | -38 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 | 0.87% | 0.91% | 0.77% | 0.65% | 0.72% | 0.68% | 0.67% | 0.55% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.92% | 10.93% | 10.68% | 10.35% | 10.37% | 9.96% | 10.07% | 10.19% | -16 bps | |
| Net Worth / Assets | 10.92% | 10.93% | 10.68% | 10.35% | 10.37% | 9.96% | 10.07% | 10.19% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.37% | 74.72% | 69.93% | 64.97% | 61.59% | 57.43% | 55.51% | 55.05% | -992 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |