Cincinnati, OH · Cert 744
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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 · Cert 744
FDIC
Q4 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.57% | 0.60% | 0.62% | 0.70% | -0.25% | 0.14% | 0.30% | -32 bps | |
| Return on Equity | 13.77% | 10.03% | 10.49% | 10.81% | 11.65% | -4.23% | 1.70% | 2.93% | -787 bps | |
| Net Interest Margin | 1.93% | 1.89% | 1.84% | 1.84% | 1.84% | 1.80% | 0.86% | 1.33% | -51 bps | |
| Efficiency Ratio | 79.87% | 77.02% | 78.10% | 76.64% | 77.71% | 88.09% | 75.14% | 73.92% | -272 bps | |
| Non-Interest Burden | 0.68% | 0.45% | 0.50% | 0.32% | 0.56% | 1.15% | 0.48% | 0.73% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.36% | 7.75% | 3.49% | -3.09% | -5.92% | -6.85% | 1.69% | -2.54% | +54 bps | |
| Loan Growth (YoY) | 7.17% | 2.53% | 3.45% | -0.82% | -2.84% | 0.31% | -4.23% | -3.96% | -314 bps | |
| Deposit Growth (YoY) | 21.06% | 16.46% | 15.94% | 4.84% | -7.24% | -9.69% | -5.03% | -11.46% | -1,630 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.70% | 1.82% | 1.37% | 1.65% | 0.43% | 1.53% | 0.41% | 0.46% | -118 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.59% | 11.68% | 11.71% | 12.26% | 12.45% | 12.28% | 10.78% | 11.84% | -42 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.96% | 83.52% | 86.37% | 89.62% | 90.03% | 92.77% | 87.10% | 97.21% | +759 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |