Cincinnati, OH · Charter 68307
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.31% | 1.24% | 1.22% | 1.55% | 1.79% | +309 bps | |
| Return on Equity | -28.15% | 24.94% | 23.82% | 26.75% | 28.15% | +5,630 bps | |
| Net Interest Margin | 4.44% | 5.15% | 5.11% | 5.14% | 5.19% | +75 bps | |
| Efficiency Ratio | 85.55% | 83.05% | 77.66% | 77.76% | 77.64% | -791 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.53% | -1.23% | -5.41% | -2.94% | 1.79% | -374 bps | |
| Loan Growth (YoY) | 5.10% | 1.29% | -0.03% | -7.60% | -8.54% | -1,364 bps | |
| Share Growth (YoY) | 7.66% | 1.76% | -5.37% | -3.46% | 0.87% | -679 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 1.68% | 2.18% | 2.01% | 3.12% | +190 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 2.07% | 1.97% | 1.83% | 1.67% | -45 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.64% | 4.96% | 5.10% | 5.79% | 6.35% | +171 bps | |
| Net Worth / Assets | 4.64% | 4.96% | 5.10% | 5.79% | 6.35% | +171 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.35% | 78.34% | 74.97% | 74.91% | 71.95% | -740 bps | |
| Liquid Assets / Assets | 20.28% | 19.10% | 22.46% | 6.44% | 24.87% | +459 bps | |