Cincinnati, OH · Charter 67884
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 67884
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | -0.23% | 0.16% | 0.31% | 0.08% | +7 bps | |
| Return on Equity | 0.09% | -1.48% | 1.03% | 2.00% | 0.51% | +42 bps | |
| Net Interest Margin | 4.22% | 3.96% | 4.16% | 4.37% | 4.42% | +20 bps | |
| Efficiency Ratio | 96.78% | 101.00% | 94.32% | 91.96% | 95.83% | -95 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.92% | -4.09% | -4.75% | -3.36% | 3.70% | +961 bps | |
| Loan Growth (YoY) | 0.97% | 4.29% | 6.59% | 11.27% | 19.34% | +1,838 bps | |
| Share Growth (YoY) | -7.02% | -4.76% | -5.85% | -4.23% | -6.13% | +88 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.11% | 0.16% | 0.16% | 0.14% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 1.03% | 1.03% | 1.07% | 1.04% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.30% | 15.45% | 15.30% | 15.75% | 15.80% | -50 bps | |
| Net Worth / Assets | 16.30% | 15.45% | 15.30% | 15.75% | 15.80% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.93% | 70.26% | 73.78% | 78.07% | 96.53% | +2,061 bps | |
| Liquid Assets / Assets | 33.45% | 38.53% | 34.73% | 32.83% | 24.20% | -925 bps | |