Higginsport, OH · Cert 12755
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Higginsport, OH · Cert 12755
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.35% | 0.26% | 0.38% | 0.46% | 0.43% | 0.33% | 0.35% | -2 bps | |
| Return on Equity | 3.98% | 3.98% | 2.82% | 4.13% | 5.00% | 4.58% | 3.48% | 3.71% | -42 bps | |
| Net Interest Margin | 2.48% | 2.52% | 2.60% | 2.77% | 2.97% | 2.92% | 2.81% | 2.74% | -3 bps | |
| Efficiency Ratio | 81.28% | 82.94% | 86.08% | 82.68% | 80.47% | 80.30% | 82.09% | 81.43% | -125 bps | |
| Non-Interest Burden | 1.94% | 2.02% | 2.19% | 2.22% | 2.31% | 2.26% | 2.24% | 2.16% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.04% | -2.10% | -2.83% | -4.97% | -2.34% | -2.45% | -0.64% | 2.16% | +713 bps | |
| Loan Growth (YoY) | -0.08% | -4.03% | -6.02% | -3.15% | -2.20% | -1.77% | 1.14% | -3.45% | -30 bps | |
| Deposit Growth (YoY) | -2.19% | -2.72% | -3.45% | -5.72% | -2.90% | -3.11% | -0.97% | 2.00% | +771 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 | 0.05% | 0.04% | 0.13% | 0.06% | 0.03% | 0.14% | 0.10% | 0.51% | +45 bps | |
| Allowance / Loans | 0.96% | 0.99% | 1.02% | 1.04% | 1.08% | 1.03% | 1.04% | 0.87% | -17 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 | 15.08% | 15.45% | 15.57% | 15.42% | 15.80% | 16.04% | 15.90% | 15.99% | +57 bps | |
| Equity / Assets | 9.01% | 9.06% | 9.10% | 9.30% | 9.63% | 9.70% | 9.50% | 9.46% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.16% | 73.63% | 71.56% | 75.10% | 76.71% | 74.65% | 73.09% | 71.09% | -401 bps | |
| Liquid Assets / Assets | 18.44% | 16.91% | 11.32% | 11.00% | 10.88% | 10.37% | 8.61% | 7.74% | -325 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |