Harrodsburg, KY · Cert 12157
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.46% | -0.19% | 0.68%1 | 0.80% | 0.23% | 0.27% | -0.26% | -94 bps | |
| Return on Equity | 3.23% | 4.90% | -1.97% | 7.13% | 8.30% | 2.42% | 2.76% | -2.59% | -972 bps | |
| Net Interest Margin | 3.47% | 3.52% | 3.02% | 3.19% | 3.26% | 3.43% | 3.17% | 3.15% | -4 bps | |
| Efficiency Ratio | 87.70% | 82.91% | 102.64% | 98.29% | 72.50% | 97.90% | 92.49% | 110.81% | +1,252 bps | |
| Non-Interest Burden | 2.93% | 2.75% | 3.12% | 3.13% | 2.18% | 3.33% | 2.87% | 3.59% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.25% | -6.82% | -7.86% | -5.88% | -2.90% | -2.92% | -0.47% | -5.43% | +45 bps | |
| Loan Growth (YoY) | -18.15% | -18.89% | -18.11% | -11.67% | -7.80% | -3.03% | 0.99% | 0.13% | +1,179 bps | |
| Deposit Growth (YoY) | -9.84% | -8.27% | -2.77% | 2.90% | 7.06% | 6.35% | 1.85% | -5.93% | -884 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 | 1.33% | -0.38% | -0.21% | 0.38% | -0.05% | 2.33% | 0.46% | 0.28% | -10 bps | |
| Allowance / Loans | 3.43% | 3.98% | 4.41% | 4.32% | 4.38% | 3.79% | 3.68% | 3.60% | -72 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 | 14.48% | 14.60% | 15.02% | 15.90% | 16.16% | 15.93% | 16.34% | 15.73% | -17 bps | |
| Equity / Assets | 9.45% | 9.27% | 9.69% | 9.52% | 9.82% | 9.53% | 10.01% | 9.89% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.97% | 60.00% | 57.04% | 56.47% | 55.95% | 54.71% | 56.56% | 60.11% | +364 bps | |
| Liquid Assets / Assets | 0.59% | 2.17% | 0.94% | 0.22% | 0.23% | 0.16% | 0.17% | 0.18% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |