Canmer, KY · Cert 16827
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.80% | 1.55% | 1.73% | 1.79% | 2.42% | 2.54% | 2.24% | +50 bps | |
| Return on Equity | 16.72% | 17.86% | 15.05% | 16.31% | 17.08% | 23.09% | 23.74% | 20.65% | +434 bps | |
| Net Interest Margin | 3.64% | 3.89% | 3.72% | 3.98% | 3.91% | 3.94% | 4.40% | 4.16% | +18 bps | |
| Efficiency Ratio | 68.79% | 67.79% | 69.41% | 64.35% | 69.24% | 62.98% | 62.19% | 65.04% | +69 bps | |
| Non-Interest Burden | 1.57% | 1.75% | 1.73% | 1.50% | 1.84% | 1.27% | 1.58% | 1.66% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.20% | 4.10% | -0.93% | -1.64% | -0.63% | -4.05% | 2.31% | 2.34% | +398 bps | |
| Loan Growth (YoY) | 6.57% | 4.47% | 3.00% | 4.40% | 7.11% | 4.70% | 5.48% | 3.33% | -106 bps | |
| Deposit Growth (YoY) | 4.72% | 10.59% | 3.33% | 1.49% | 1.77% | -2.66% | 4.28% | 3.59% | +210 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 | 0.04% | 0.12% | 0.02% | 0.98% | 0.04% | -0.07% | 0.73% | 0.21% | -78 bps | |
| Allowance / Loans | 1.37% | 1.44% | 1.63% | 1.60% | 1.61% | 1.72% | 1.60% | 1.65% | +5 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 | 13.22% | 13.26% | 13.31% | 13.45% | 13.38% | 13.79% | 14.01% | 14.23% | +78 bps | |
| Equity / Assets | 10.04% | 10.13% | 10.51% | 10.70% | 10.22% | 10.71% | 10.71% | 10.94% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.76% | 90.41% | 94.39% | 96.50% | 93.41% | 97.24% | 95.46% | 96.26% | -24 bps | |
| Liquid Assets / Assets | 0.26% | 0.14% | 0.07% | 0.07% | 0.13% | 0.26% | 0.13% | 0.16% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |