Cloverport, KY · Cert 11357
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.
Cloverport, KY · Cert 11357
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 | 0.85% | 1.32% | 1.51% | 1.47% | 1.90% | 1.61% | 1.62% | 1.41% | -6 bps | |
| Return on Equity | 12.28% | 18.28% | 20.65% | 19.69% | 23.67% | 20.27% | 20.01% | 17.20% | -248 bps | |
| Net Interest Margin | 3.42% | 3.43% | 3.45% | 3.44% | 3.50% | 3.32% | 3.35% | 3.32% | -13 bps | |
| Efficiency Ratio | 49.23% | 50.94% | 50.80% | 55.16% | 48.39% | 50.09% | 51.20% | 54.36% | -80 bps | |
| Non-Interest Burden | 1.50% | 1.56% | 1.57% | 1.74% | 1.52% | 1.51% | 1.58% | 1.68% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.83% | 5.37% | 4.02% | 2.09% | 8.22% | 9.48% | 11.01% | 8.69% | +660 bps | |
| Loan Growth (YoY) | 18.03% | 19.79% | 13.74% | 11.34% | 11.30% | 4.83% | 4.12% | -5.50% | -1,684 bps | |
| Deposit Growth (YoY) | 8.27% | 6.29% | 5.26% | 3.02% | 7.07% | 9.37% | 9.69% | 7.99% | +497 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 | 0.95% | 0.43% | 0.43% | 0.37% | -0.10% | 0.66% | 0.44% | 0.47% | +11 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.04% | 0.98% | 1.07% | 0.98% | 1.01% | 1.29% | +31 bps | |
| 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 | 14.67% | 15.05% | 15.87% | 16.10% | 17.15% | 17.90% | 18.61% | 20.00% | +390 bps | |
| Equity / Assets | 7.10% | 7.69% | 7.71% | 7.97% | 8.08% | 7.84% | 8.44% | 8.62% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.88% | 45.17% | 45.58% | 47.52% | 44.57% | 43.29% | 43.27% | 41.58% | -594 bps | |
| Liquid Assets / Assets | 35.74% | 34.29% | 31.11% | 32.60% | 29.69% | 27.97% | 25.91% | 25.40% | -721 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |