Beaver Dam, KY · Cert 12144
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.22% | 0.33% | 0.26% | 0.37% | 0.65% | 0.67% | 0.05% | -21 bps | |
| Return on Equity | 5.87% | 2.72% | 4.25% | 3.45% | 4.84% | 8.89% | 9.06% | 0.68% | -277 bps | |
| Net Interest Margin | 3.63% | 3.68% | 3.60% | 3.57% | 3.59% | 3.67% | 3.73% | 3.68% | +12 bps | |
| Efficiency Ratio | 83.82% | 90.34% | 87.89% | 89.73% | 87.63% | 78.06% | 78.53% | 93.82% | +409 bps | |
| Non-Interest Burden | 2.78% | 3.17% | 2.95% | 3.03% | 2.92% | 2.51% | 2.55% | 3.33% | +31 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 | 0.11% | 0.04% | 0.28% | 0.16% | 0.13% | -0.01% | 0.00% | 0.02% | -14 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 |