Louisville, KY · Cert 14985
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | -0.71% | -0.73% | 0.22% | 0.38% | -1.11% | -0.29% | 0.21% | -2 bps | |
| Return on Equity | 11.56% | -14.38% | -12.99% | 3.82% | 6.20% | -18.67% | -5.01% | 3.60% | -22 bps | |
| Net Interest Margin | 2.90% | 2.57% | 2.00% | 1.66% | 1.54% | 1.42% | 1.33% | 1.12% | -55 bps | |
| Efficiency Ratio | 64.78% | 91.93% | 89.79% | 68.32% | 67.40% | 127.13% | 89.16% | 88.26% | +1,994 bps | |
| Non-Interest Burden | 1.10% | 2.14% | 1.61% | 0.33% | 0.29% | 2.38% | 0.97% | 0.74% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.07% | 7.81% | -3.17% | -4.59% | -18.76% | -5.46% | -3.84% | 1.00% | +559 bps | |
| Loan Growth (YoY) | -8.83% | 22.32% | 19.96% | 15.81% | 15.45% | -14.67% | -13.63% | -10.68% | -2,649 bps | |
| Deposit Growth (YoY) | 32.79% | -3.82% | 0.96% | -1.62% | -25.22% | -4.98% | -3.43% | -0.30% | +132 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 | 1.21% | 2.23% | 1.80% | 1.55% | 1.01% | 1.42% | 0.19% | 0.11% | -144 bps | |
| Allowance / Loans | 2.27% | 1.75% | 2.09% | 2.19% | 2.25% | 2.34% | 2.71% | 2.75% | +56 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 | 10.39% | 11.17% | 11.28% | 12.19% | 12.15% | 12.09% | 11.82% | 12.02% | -17 bps | |
| Equity / Assets | 4.40% | 5.60% | 5.59% | 6.20% | 5.99% | 5.90% | 5.61% | 5.93% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.52% | 101.79% | 86.94% | 94.48% | 88.81% | 91.41% | 77.76% | 84.65% | -984 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.05% | 0.08% | 0.03% | 0.05% | 0.06% | 0.09% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |