Brownsville, KY · Cert 1877
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.24% | 1.45% | 1.29% | 1.43% | 2.03% | 1.38% | 1.16% | -13 bps | |
| Return on Equity | 12.30% | 15.34% | 17.19% | 15.28% | 17.42% | 23.71% | 15.54% | 12.96% | -232 bps | |
| Net Interest Margin | 4.06% | 4.12% | 4.38% | 4.39% | 4.18% | 4.23% | 4.43% | 4.39% | 0 bps | |
| Efficiency Ratio | 65.95% | 59.62% | 55.52% | 59.36% | 53.64% | 47.93% | 58.25% | 63.99% | +463 bps | |
| Non-Interest Burden | 2.45% | 2.16% | 2.10% | 2.32% | 1.93% | 1.11% | 2.26% | 2.55% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.64% | 9.10% | 2.18% | 10.08% | 3.38% | 0.17% | 5.76% | -3.99% | -1,407 bps | |
| Loan Growth (YoY) | 12.15% | 14.03% | 10.40% | 9.54% | 9.16% | -1.14% | -2.68% | -6.92% | -1,646 bps | |
| Deposit Growth (YoY) | 0.35% | 3.30% | -4.30% | -0.26% | -1.48% | -4.03% | -0.03% | -13.75% | -1,349 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 | 0.13% | -0.01% | 0.12% | -0.02% | 0.03% | 0.33% | -0.09% | 0.19% | +21 bps | |
| Allowance / Loans | 1.03% | 1.04% | 1.01% | 1.02% | 1.05% | 1.07% | 1.11% | 1.12% | +10 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 | 11.12% | 11.68% | 11.90% | 11.61% | 11.15% | 12.63% | 12.64% | 13.48% | +187 bps | |
| Equity / Assets | 7.99% | 8.12% | 8.71% | 8.19% | 8.21% | 8.89% | 8.89% | 8.99% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.56% | 105.14% | 115.58% | 113.59% | 111.43% | 108.31% | 112.52% | 122.59% | +900 bps | |
| Liquid Assets / Assets | 0.13% | 0.50% | 0.11% | 1.81% | 1.68% | 0.15% | 0.13% | 0.20% | -161 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |