Benton, KY · Charter 21165
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Benton, KY · Charter 21165
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.44% | 0.22% | 0.21% | 0.03% | 0.17% | 0.25% | 0.43% | +23 bps | |
| Return on Equity | 1.94% | 1.92% | 0.99% | 0.94% | 0.13% | 0.69% | 0.90% | 1.67% | +73 bps | |
| Net Interest Margin | 3.37% | 3.69% | 3.81% | 3.70% | 1.48% | 4.21% | 4.50% | 4.08% | +38 bps | |
| Efficiency Ratio | 88.10% | 85.47% | 76.92% | 80.23% | 76.69% | 79.10% | 87.56% | 84.18% | +396 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.49% | -2.53% | -1.25% | -11.99% | -11.92% | -5.09% | -20.27% | -14.99% | -301 bps | |
| Loan Growth (YoY) | 2.52% | 1.75% | -3.66% | -8.21% | -13.92% | -11.37% | 4.99% | 18.14% | +2,634 bps | |
| Share Growth (YoY) | 5.23% | -3.83% | -2.15% | -15.24% | -15.35% | -6.86% | -26.38% | -19.62% | -438 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 2.89% | 0.00% | 3.12% | 0.00% | 3.70% | 2.46% | 3.78% | +66 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 | 3.23% | 2.42% | 3.22% | 3.58% | 2.04% | 2.64% | 2.68% | 2.45% | -114 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.72% | 22.71% | 22.34% | 22.06% | 23.78% | 24.09% | 28.21% | 26.01% | +395 bps | |
| Net Worth / Assets | 20.72% | 22.71% | 22.34% | 22.06% | 23.78% | 24.09% | 28.21% | 26.01% | +395 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.81% | 46.18% | 40.78% | 40.86% | 42.51% | 43.94% | 58.16% | 60.06% | +1,920 bps | |
| Liquid Assets / Assets | 37.58% | 32.03% | 67.25% | 67.33% | 66.19% | 65.50% | 29.79% | 0.00% | -6,733 bps | |