Louisville, KY · Charter 12550
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Louisville, KY · Charter 12550
Q1 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.74% | 0.77% | 0.86% | -0.04% | -0.38% | -1.00% | -9.50% | -1,036 bps | |
| Return on Equity | 17.18% | 15.93% | 15.23% | 17.02% | -0.84% | -8.78% | -24.06% | -377% | -39,373 bps | |
| Net Interest Margin | 5.27% | 5.75% | 6.13% | 6.18% | 5.61% | 5.93% | 6.32% | 7.48% | +130 bps | |
| Efficiency Ratio | 89.79% | 87.92% | 87.68% | 89.91% | 98.45% | 89.86% | 99.62% | 194.26% | +10,435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.88% | -3.56% | -2.79% | -5.03% | -3.70% | 3.28% | -2.75% | -20.94% | -1,591 bps | |
| Loan Growth (YoY) | -1.48% | -0.91% | 7.12% | 9.96% | 12.41% | 3.58% | -1.87% | -5.92% | -1,588 bps | |
| Share Growth (YoY) | 7.47% | -1.07% | -6.00% | -6.29% | -3.92% | 4.29% | -4.99% | -19.07% | -1,278 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.35% | 1.49% | 2.55% | 1.89% | 2.03% | 3.95% | 1.68% | 1.81% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.29% | 1.95% | 1.86% | 1.72% | 1.77% | 2.64% | 2.30% | 2.53% | +80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.17% | 4.64% | 5.03% | 5.02% | 4.65% | 4.38% | 4.16% | 2.52% | -250 bps | |
| Net Worth / Assets | 4.17% | 4.64% | 5.03% | 5.02% | 4.65% | 4.38% | 4.16% | 2.52% | -250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.72% | 61.02% | 69.11% | 63.06% | 64.03% | 60.61% | 71.38% | 73.31% | +1,025 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |