Beaver Dam, KY · Cert 12144
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.22% | 0.44% | 0.14% | 0.65% | 0.65% | 0.69% | -1.25% | -138 bps | |
| Return on Equity | 4.31% | 2.72% | 5.82% | 1.87% | 8.98% | 8.89% | 9.21% | -17.06% | -1,893 bps | |
| Net Interest Margin | 3.84% | 3.68% | 3.69% | 3.76% | 3.74% | 3.67% | 3.77% | 3.31% | -45 bps | |
| Efficiency Ratio | 88.58% | 90.34% | 85.75% | 93.22% | 82.03% | 78.06% | 78.98% | 125.06% | +3,184 bps | |
| Non-Interest Burden | 3.22% | 3.17% | 2.87% | 3.39% | 2.69% | 2.51% | 2.57% | 4.71% | +133 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.60% | 11.61% | 11.18% | 18.34% | 12.86% | 8.74% | 2.84% | -6.61% | -2,496 bps | |
| Loan Growth (YoY) | 2.81% | 9.72% | 12.03% | 20.34% | 12.68% | 4.26% | -0.94% | -10.65% | -3,099 bps | |
| Deposit Growth (YoY) | 7.73% | 11.73% | 14.26% | 16.99% | 21.09% | 18.11% | 6.02% | -0.70% | -1,769 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 | 0.14% | 0.04% | 0.52% | -0.05% | 0.05% | -0.01% | 0.00% | 0.07% | +12 bps | |
| Allowance / Loans | 1.35% | 1.33% | 1.22% | 1.21% | 1.26% | 1.36% | 1.46% | 1.52% | +32 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 | 12.55% | 12.01% | 11.58% | 10.87% | 11.40% | 11.62% | 11.50% | 10.63% | -24 bps | |
| Equity / Assets | 8.22% | 7.74% | 7.40% | 7.24% | 7.33% | 7.39% | 7.50% | 7.12% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.95% | 97.78% | 91.84% | 98.84% | 89.29% | 86.31% | 85.81% | 88.94% | -990 bps | |
| Liquid Assets / Assets | 0.57% | 0.55% | 0.53% | 0.51% | 0.50% | 0.51% | 0.52% | 0.55% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |