Cynthiana, KY · Cert 11361
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Cynthiana, KY · Cert 11361
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.00% | 1.02% | 0.85% | 0.91% | 0.85% | 0.81% | 0.83% | -2 bps | |
| Return on Equity | 9.72% | 9.71% | 9.73% | 8.12% | 8.71% | 8.04% | 7.55% | 7.75% | -37 bps | |
| Net Interest Margin | 2.52% | 2.62% | 2.71% | 2.59% | 2.49% | 2.51% | 2.51% | 2.42% | -17 bps | |
| Efficiency Ratio | 67.72% | 67.44% | 66.78% | 68.51% | 72.28% | 74.11% | 74.64% | 75.57% | +705 bps | |
| Non-Interest Burden | 1.59% | 1.64% | 1.68% | 1.67% | 1.70% | 1.76% | 1.78% | 1.75% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.11% | -5.70% | -0.22% | -2.91% | -1.46% | -0.14% | -0.15% | -0.92% | +199 bps | |
| Loan Growth (YoY) | -8.80% | -8.60% | -6.41% | -7.79% | -5.95% | -5.75% | -5.24% | 1.01% | +880 bps | |
| Deposit Growth (YoY) | 5.66% | -0.26% | 2.20% | -3.41% | -1.74% | 0.83% | 2.85% | 1.91% | +532 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 | 0.10% | 0.08% | 0.11% | 0.46% | 0.24% | 0.12% | 0.08% | 0.06% | -40 bps | |
| Allowance / Loans | 0.72% | 0.71% | 0.70% | 0.66% | 0.65% | 0.65% | 0.64% | 0.63% | -3 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 | 21.66% | 21.25% | 21.12% | 21.34% | 21.90% | 21.43% | 21.74% | 21.67% | +33 bps | |
| Equity / Assets | 10.21% | 10.81% | 10.96% | 10.48% | 10.47% | 10.94% | 11.02% | 10.62% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.53% | 57.53% | 57.58% | 52.82% | 52.19% | 53.78% | 53.05% | 52.36% | -47 bps | |
| Liquid Assets / Assets | 13.55% | 13.00% | 10.38% | 13.40% | 11.35% | 9.60% | 10.40% | 20.85% | +744 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |