Louisville, KY · Cert 14985
FDIC
Q1 2003
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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.26% | 0.02%1 | 0.22% | 0.30% | -0.17% | -0.20% | 0.21% | -2 bps | |
| Return on Equity | n/a | n/a | n/a | 3.82% | 5.01% | -2.84% | -3.37% | 3.60% | -22 bps | |
| Net Interest Margin | 3.12% | 2.91% | 2.58% | 1.66% | 1.62% | 1.55% | 1.50% | 1.12% | -55 bps | |
| Efficiency Ratio | 58.68% | 69.97% | 73.91% | 68.32% | 67.89% | 85.90% | 86.63% | 88.26% | +1,994 bps | |
| Non-Interest Burden | 0.91% | 1.31% | 1.34% | 0.33% | 0.32% | 1.01% | 0.99% | 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 | 0.96% | 1.23% | 1.41% | 1.55% | 1.30% | 1.38% | 1.11% | 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 |