Canmer, KY · Cert 16827
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 | 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% | 1.77% | 1.70% | 1.71% | 1.79% | 2.12% | 2.25% | 2.25% | +54 bps | |
| Return on Equity | 16.72% | 17.28% | 16.54% | 16.48% | 17.08% | 20.10% | 21.30% | 21.15% | +466 bps | |
| Net Interest Margin | 3.64% | 3.76% | 3.83% | 3.93% | 3.91% | 3.90% | 4.10% | 4.09% | +16 bps | |
| Efficiency Ratio | 68.79% | 68.29% | 68.65% | 67.56% | 69.24% | 65.97% | 64.66% | 64.76% | -280 bps | |
| Non-Interest Burden | 1.57% | 1.66% | 1.72% | 1.69% | 1.84% | 1.54% | 1.57% | 1.58% | -11 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% | 0.08% | 0.06% | 0.29% | 0.04% | -0.01% | 0.24% | 0.23% | -6 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 |