Morehead, KY · Cert 25783
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.62% | 0.67% | 0.75% | 0.76% | 0.84% | 0.96% | 0.89% | +13 bps | |
| Return on Equity | 9.46% | 9.37% | 9.85% | 11.03% | 11.29% | 12.33% | 13.88% | 12.80% | +177 bps | |
| Net Interest Margin | 3.52% | 3.59% | 3.63% | 3.73% | 3.75% | 3.80% | 3.75% | 3.74% | +1 bps | |
| Efficiency Ratio | 75.68% | 76.09% | 74.83% | 73.23% | 72.41% | 69.55% | 73.85% | 73.97% | +74 bps | |
| Non-Interest Burden | 2.49% | 2.57% | 2.46% | 2.45% | 2.42% | 2.31% | 2.48% | 2.46% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.89% | 7.81% | 7.20% | 7.86% | 0.65% | 0.75% | 0.06% | -4.06% | -1,192 bps | |
| Loan Growth (YoY) | 9.15% | 6.67% | 8.62% | 5.10% | 6.15% | 3.41% | 0.83% | -1.46% | -657 bps | |
| Deposit Growth (YoY) | 7.43% | 5.91% | 5.65% | 11.22% | 4.48% | 3.61% | 4.36% | -4.65% | -1,587 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 | 0.06% | 0.05% | 0.02% | 0.06% | 0.13% | 0.11% | 0.36% | 0.19% | +13 bps | |
| Allowance / Loans | 2.01% | 2.02% | 2.00% | 2.01% | 2.00% | 2.05% | 2.00% | 2.06% | +5 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 | 12.27% | 12.75% | 12.83% | 12.69% | 12.06% | 12.55% | 12.92% | 13.59% | +90 bps | |
| Equity / Assets | 6.62% | 6.79% | 6.90% | 6.83% | 6.57% | 6.77% | 7.01% | 6.97% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.83% | 108.61% | 110.27% | 103.19% | 109.55% | 108.39% | 106.54% | 106.64% | +345 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |