Louisville, KY · Charter 19193
Q1 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | 0.01% | -0.03% | 1.00% | 0.58% | -0.94% | -3.71% | 0.66% | -34 bps | |
| Return on Equity | -1.20% | 0.03% | -0.13% | 4.18% | 2.40% | -3.83% | -16.03% | 2.81% | -137 bps | |
| Net Interest Margin | 4.19% | 4.48% | 5.00% | 4.93% | 4.91% | 5.46% | 6.02% | 5.31% | +38 bps | |
| Efficiency Ratio | 101.33% | 96.66% | 90.81% | 80.73% | 88.33% | 93.91% | 88.16% | 87.93% | +720 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.34% | -6.20% | -8.49% | -6.91% | -7.28% | -9.01% | -8.36% | -12.60% | -569 bps | |
| Loan Growth (YoY) | 5.28% | 1.81% | 4.52% | 8.80% | 19.77% | 20.39% | 13.88% | 11.00% | +220 bps | |
| Share Growth (YoY) | -1.91% | -8.27% | -11.26% | -9.34% | -9.83% | -10.70% | -6.24% | -11.96% | -263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.61% | 2.52% | 0.32% | 0.49% | 3.29% | 1.45% | 2.04% | +172 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.13% | 0.13% | 0.80% | 0.38% | 0.36% | 1.71% | 4.61% | 0.70% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.14% | 23.05% | 24.63% | 23.91% | 24.28% | 24.59% | 23.16% | 23.49% | -42 bps | |
| Net Worth / Assets | 22.14% | 23.05% | 24.63% | 23.91% | 24.28% | 24.59% | 23.16% | 23.49% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.30% | 69.25% | 76.57% | 69.29% | 81.43% | 93.35% | 93.01% | 87.36% | +1,807 bps | |
| Liquid Assets / Assets | 49.98% | 20.78% | 15.07% | 20.74% | 11.43% | 28.49% | 12.25% | 31.07% | +1,033 bps | |