Germantown, KY · Cert 13162
FDIC
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00%1 | 0.20% | 0.65% | 0.78% | 0.84% | +83 bps | |
| Return on Equity | 0.05% | 2.32% | 7.47% | 8.74% | 9.27% | +923 bps | |
| Net Interest Margin | 4.30% | 4.14% | 4.23% | 4.47% | 4.59% | +28 bps | |
| Efficiency Ratio | 78.70% | 82.04% | 72.41% | 70.66% | 70.51% | -819 bps | |
| Non-Interest Burden | 3.24% | 3.28% | 2.85% | 2.93% | 3.00% | -24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.18% | -3.96% | -2.84% | -1.48% | -3.15% | +703 bps | |
| Loan Growth (YoY) | -15.96% | -13.72% | -13.32% | -4.44% | 1.29% | +1,725 bps | |
| Deposit Growth (YoY) | -10.81% | -4.25% | -2.79% | -2.35% | -4.55% | +625 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.73% | 2.06% | 2.49% | 1.61% | 1.26% | -147 bps | |
| Allowance / Loans | 3.31% | 3.12% | 2.56% | 2.60% | 2.63% | -68 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 13.47% | 13.33% | 14.03% | 14.68% | 15.13% | +166 bps | |
| Equity / Assets | 8.65% | 8.72% | 8.75% | 9.40% | 9.61% | +96 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.88% | 71.43% | 74.15% | 77.66% | 77.33% | +446 bps | |
| Liquid Assets / Assets | 2.11% | 0.01% | 0.01% | 0.01% | 0.01% | -211 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |