Cincinnati, OH · Charter 9211
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 9211
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.56% | 1.35% | 1.02% | 0.57% | 0.28% | -0.41% | 0.11% | -91 bps | |
| Return on Equity | 8.66% | 8.51% | 19.43% | 14.41% | 7.37% | 3.53% | -5.22% | 1.36% | -1,305 bps | |
| Net Interest Margin | 3.03% | 2.96% | 3.62% | 3.58% | 3.80% | 4.00% | 3.38% | 3.31% | -27 bps | |
| Efficiency Ratio | 91.06% | 89.14% | 67.38% | 75.23% | 85.08% | 79.77% | 111.00% | 97.12% | +2,189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.69% | 2.29% | -4.48% | -1.42% | -4.74% | -14.42% | -13.82% | -13.76% | -1,234 bps | |
| Loan Growth (YoY) | -2.31% | 17.10% | 23.18% | 25.99% | 6.91% | -10.07% | -15.99% | -27.35% | -5,334 bps | |
| Share Growth (YoY) | 0.25% | -1.74% | -5.47% | -2.47% | -6.54% | -12.88% | -14.69% | -14.43% | -1,196 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.86% | 9.34% | 4.95% | 11.94% | 11.66% | 16.83% | 21.51% | 22.68% | +1,074 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 | 4.92% | 3.21% | 3.51% | 2.06% | 2.42% | 2.89% | 3.36% | 3.98% | +192 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.57% | 6.61% | 6.94% | 7.10% | 7.79% | 8.01% | 7.84% | 7.97% | +87 bps | |
| Net Worth / Assets | 6.57% | 6.61% | 6.94% | 7.10% | 7.79% | 8.01% | 7.84% | 7.97% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.04% | 66.11% | 62.45% | 63.99% | 67.54% | 68.25% | 61.49% | 54.33% | -966 bps | |
| Liquid Assets / Assets | 45.78% | 40.39% | 41.93% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |