Cincinnati, OH · Charter 67884
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | -0.33% | -0.02% | 0.01% | -0.23% | 0.16% | 0.31% | 0.08% | +7 bps | |
| Return on Equity | -2.25% | -2.29% | -0.12% | 0.09% | -1.48% | 1.03% | 2.00% | 0.51% | +42 bps | |
| Net Interest Margin | 3.86% | 3.72% | 3.94% | 4.22% | 3.96% | 4.16% | 4.37% | 4.42% | +20 bps | |
| Efficiency Ratio | 103.10% | 103.20% | 97.33% | 96.78% | 101.00% | 94.32% | 91.96% | 95.83% | -95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.65% | 1.76% | -3.47% | -5.92% | -4.09% | -4.75% | -3.36% | 3.70% | +961 bps | |
| Loan Growth (YoY) | -9.18% | -0.38% | -4.95% | 0.97% | 4.29% | 6.59% | 11.27% | 19.34% | +1,838 bps | |
| Share Growth (YoY) | 4.86% | 2.65% | -3.99% | -7.02% | -4.76% | -5.85% | -4.23% | -6.13% | +88 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.36% | 0.10% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.80% | 0.89% | 0.94% | 1.03% | 1.03% | 1.07% | 1.04% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.77% | 14.32% | 14.96% | 16.30% | 15.45% | 15.30% | 15.75% | 15.80% | -50 bps | |
| Net Worth / Assets | 14.77% | 14.32% | 14.96% | 16.30% | 15.45% | 15.30% | 15.75% | 15.80% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.16% | 65.17% | 67.19% | 75.93% | 70.26% | 73.78% | 78.07% | 96.53% | +2,061 bps | |
| Liquid Assets / Assets | 41.98% | 41.94% | 40.68% | 33.45% | 38.53% | 34.73% | 32.83% | 24.20% | -925 bps | |