Frankfort, KY · Charter 13009
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.80% | -1.56% | -1.45% | -1.35% | -1.13% | -0.66% | -1.01% | -14.81% | -1,345 bps | |
| Return on Equity | -5.79% | -5.38% | -5.24% | -5.03% | -4.06% | -2.49% | -3.85% | -126.08% | -12,105 bps | |
| Net Interest Margin | 4.44% | 4.12% | 3.76% | 3.74% | 3.79% | 3.52% | 3.38% | -9.73% | -1,347 bps | |
| Efficiency Ratio | 120.50% | 121.11% | 132.51% | 131.63% | 133.33% | 126.13% | 135.50% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.42% | -8.40% | 4.52% | 6.11% | 7.17% | 6.48% | 1.63% | -4.85% | -1,097 bps | |
| Loan Growth (YoY) | -3.91% | -2.19% | 10.57% | 15.61% | 5.68% | -1.00% | 2.73% | -12.39% | -2,801 bps | |
| Share Growth (YoY) | -20.27% | -8.88% | 9.68% | 10.91% | 12.36% | 10.62% | 3.63% | 2.28% | -863 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.36% | 0.00% | 0.00% | 0.00% | 0.00% | -136 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 | 0.69% | 1.03% | 0.99% | 0.95% | 0.56% | 0.52% | 0.49% | 0.48% | -47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.09% | 29.00% | 27.66% | 26.91% | 27.88% | 26.36% | 26.34% | 11.74% | -1,517 bps | |
| Net Worth / Assets | 31.09% | 29.00% | 27.66% | 26.91% | 27.88% | 26.36% | 26.34% | 11.74% | -1,517 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.35% | 86.11% | 81.55% | 82.19% | 90.62% | 77.07% | 80.84% | 70.40% | -1,179 bps | |
| Liquid Assets / Assets | 31.78% | 37.42% | 39.61% | 38.94% | 33.24% | 41.85% | 39.08% | 43.50% | +456 bps | |