Lexington, KY · Charter 24680
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Lexington, KY · Charter 24680
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.13% | 8.52% | 6.05% | -0.60% | 0.15% | 0.58% | 1.62% | -16.27% | -1,567 bps | |
| Return on Equity | -16.56% | 106.87% | 79.71% | -8.43% | 2.06% | 8.16% | 21.19% | -298% | -28,952 bps | |
| Net Interest Margin | 0.15% | 0.98% | 1.31% | 2.46% | 2.02% | 2.04% | 1.85% | -1.40% | -386 bps | |
| Efficiency Ratio | 360% | 48.03% | 56.62% | 48.44% | 64.71% | 59.66% | 60.17% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 4418% | 126.32% | 27.42% | 18.64% | 25.12% | -3.87% | -13,019 bps | |
| Loan Growth (YoY) | n/a | n/a | 17339% | 616% | 135.45% | -18.67% | -38.31% | -41.00% | -65,695 bps | |
| Share Growth (YoY) | n/a | n/a | 14590% | 130.26% | 25.87% | 18.73% | 24.30% | -2.63% | -13,289 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.97% | 0.62% | 1.06% | 4.06% | 7.24% | 1.34% | 3.70% | 4.51% | +45 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 | 0.49% | 2.18% | 3.34% | 2.36% | 2.88% | 3.11% | 4.24% | 9.95% | +759 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.85% | 7.97% | 7.59% | 7.12% | 7.06% | 7.15% | 7.63% | 5.46% | -166 bps | |
| Net Worth / Assets | 6.85% | 7.97% | 7.59% | 7.12% | 7.06% | 7.15% | 7.63% | 5.46% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.49% | 34.87% | 40.18% | 33.63% | 28.98% | 23.89% | 19.94% | 20.37% | -1,325 bps | |
| Liquid Assets / Assets | 53.54% | 30.86% | 57.96% | 62.78% | 60.21% | 20.78% | 73.26% | 68.32% | +555 bps | |