Barbourville, KY · Cert 11983
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.58% | 0.59% | 0.69% | 0.64% | 0.43% | 0.48% | 0.35% | -34 bps | |
| Return on Equity | 7.98% | 6.25% | 6.21% | 7.37% | 6.75% | 4.60% | 5.46% | 3.98% | -339 bps | |
| Net Interest Margin | 3.92% | 3.90% | 3.71% | 3.63% | 3.58% | 3.46% | 3.36% | 3.46% | -17 bps | |
| Efficiency Ratio | 68.46% | 70.94% | 72.43% | 73.20% | 74.68% | 76.33% | 74.34% | 73.54% | +34 bps | |
| Non-Interest Burden | 2.55% | 2.65% | 2.58% | 2.55% | 2.59% | 2.55% | 2.39% | 2.43% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | 1.19% | 2.39% | -0.54% | 1.95% | 6.80% | 2.74% | 1.40% | +194 bps | |
| Loan Growth (YoY) | 0.66% | 0.96% | 1.06% | -3.54% | -7.08% | -6.01% | -7.68% | -1.99% | +156 bps | |
| Deposit Growth (YoY) | 3.80% | 2.39% | 4.26% | 1.88% | 2.55% | 7.80% | 2.86% | 1.12% | -77 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 | 0.20% | 0.27% | 0.47% | 0.30% | 0.25% | 0.57% | -0.02% | 0.51% | +21 bps | |
| Allowance / Loans | 1.16% | 1.26% | 1.25% | 1.26% | 1.31% | 1.30% | 1.52% | 1.50% | +24 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 | 15.04% | 15.18% | 14.99% | 15.19% | 15.30% | 14.75% | 15.43% | 15.05% | -14 bps | |
| Equity / Assets | 9.43% | 9.49% | 9.44% | 9.35% | 9.42% | 8.61% | 9.04% | 8.84% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.13% | 80.92% | 78.12% | 75.77% | 73.50% | 70.55% | 70.11% | 73.44% | -233 bps | |
| Liquid Assets / Assets | 11.59% | 11.66% | 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 |