Hodgenville, KY · Cert 22799
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Hodgenville, KY · Cert 22799
FDIC
Q1 2003
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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.94% | -1.67% | 1.06% | 0.29% | 0.11% | 0.43% | 0.70% | -36 bps | |
| Return on Equity | n/a | n/a | n/a | 16.60% | 4.47% | 1.61% | 6.38% | 9.50% | -711 bps | |
| Net Interest Margin | 3.14% | 2.95% | 2.70% | 3.52% | 3.46% | 3.63% | 3.73% | 3.42% | -9 bps | |
| Efficiency Ratio | 64.54% | 64.71% | 68.70% | 63.93% | 66.90% | 71.71% | 72.22% | 82.41% | +1,848 bps | |
| Non-Interest Burden | 1.86% | 1.76% | 1.72% | 2.16% | 2.22% | 2.58% | 2.54% | 2.72% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.32% | 44.63% | 35.76% | 31.69% | 18.13% | -11.06% | -10.89% | -11.02% | -4,271 bps | |
| Loan Growth (YoY) | 19.98% | 32.69% | 29.70% | 27.09% | 16.82% | -0.82% | -8.56% | -17.71% | -4,480 bps | |
| Deposit Growth (YoY) | 19.23% | 53.89% | 47.38% | 41.71% | 29.51% | -12.51% | -14.50% | -14.83% | -5,654 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 | 0.22% | 0.19% | 1.09% | 0.35% | 1.84% | 1.74% | 1.51% | -0.21% | -56 bps | |
| Allowance / Loans | 1.00% | 1.14% | 3.13% | 3.07% | 2.82% | 2.82% | 2.86% | 3.14% | +8 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 | 17.13% | 11.98% | 9.56% | 9.60% | 9.46% | 9.97% | 10.07% | 10.66% | +106 bps | |
| Equity / Assets | 9.72% | 7.99% | 6.37% | 6.36% | 6.75% | 7.10% | 7.32% | 7.43% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.99% | 98.61% | 99.13% | 103.30% | 105.53% | 111.79% | 106.02% | 99.81% | -350 bps | |
| Liquid Assets / Assets | 7.48% | 4.52% | 7.51% | 6.40% | 6.41% | 8.02% | 5.09% | 5.06% | -133 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |