Owensboro, KY · Cert 18478
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Owensboro, KY · Cert 18478
FDIC
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.43% | 3.40% | 1.68% | 1.76% | 1.80% | 1.82% | 0.00% | 0.97% | -79 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | 5.95% | n/a | |
| Net Interest Margin | n/a | n/a | 4.11% | 4.19% | 4.00% | 3.94% | 0.00% | 1.55% | -264 bps | |
| Efficiency Ratio | n/a | n/a | 47.30% | 45.97% | 44.97% | 44.68% | n/a | 41.92% | -405 bps | |
| Non-Interest Burden | n/a | n/a | 1.50% | 1.45% | 1.31% | 1.26% | 0.00% | 0.06% | -139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1815% | 5152% | 4797% | 4628% | 182.98% | 7.96% | 8.00% | 6.23% | -462,215 bps | |
| Loan Growth (YoY) | 2106% | 6631% | 6841% | 6973% | 210% | 1.81% | -4.04% | -5.39% | -697,817 bps | |
| Deposit Growth (YoY) | 1530% | 4594% | 4726% | 4509% | 173.20% | -0.55% | -3.60% | -0.53% | -451,000 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 | n/a | n/a | 0.32% | 0.24% | 0.29% | 0.29% | 0.00% | 0.03% | -20 bps | |
| Allowance / Loans | n/a | n/a | 1.45% | 1.45% | 1.40% | 1.35% | 2.00% | 2.00% | +54 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 | n/a | n/a | 14.05% | 13.35% | 13.99% | 14.81% | 14.31% | 15.81% | +246 bps | |
| Equity / Assets | n/a | n/a | 11.54% | 11.48% | 10.50% | 10.76% | 18.67% | 19.77% | +829 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.37% | 87.05% | 86.10% | 89.34% | 90.06% | 89.11% | 85.71% | 84.97% | -437 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 5.75% | 6.29% | 6.80% | 6.80% | 0.12% | 0.13% | -616 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |