Corbin, KY · Cert 26376
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Corbin, KY · Cert 26376
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.73% | 0.69% | 0.69% | 0.62% | 0.58% | 0.55% | 0.55% | -14 bps | |
| Return on Equity | 7.34% | 8.31% | 7.82% | 7.81% | 7.12% | 6.78% | 6.30% | 6.19% | -162 bps | |
| Net Interest Margin | 3.85% | 3.83% | 3.76% | 3.73% | 3.65% | 3.65% | 3.74% | 3.76% | +3 bps | |
| Efficiency Ratio | 76.64% | 74.15% | 75.17% | 75.30% | 76.82% | 77.98% | 79.76% | 79.90% | +459 bps | |
| Non-Interest Burden | 2.81% | 2.65% | 2.64% | 2.63% | 2.66% | 2.67% | 2.82% | 2.84% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.57% | 6.70% | 4.81% | 4.95% | 8.76% | 6.86% | 3.74% | 5.95% | +100 bps | |
| Loan Growth (YoY) | 5.11% | 8.23% | 4.91% | 10.23% | 6.73% | 8.42% | 6.77% | 9.24% | -100 bps | |
| Deposit Growth (YoY) | 11.32% | 3.98% | 4.91% | 5.17% | 6.41% | 9.81% | 3.03% | 0.04% | -513 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 | 0.07% | 0.01% | 0.03% | 0.04% | 0.08% | 0.02% | 0.05% | 0.05% | +1 bps | |
| Allowance / Loans | 1.51% | 1.55% | 1.58% | 1.53% | 1.44% | 1.44% | 1.48% | 1.42% | -11 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 | 15.14% | 15.61% | 15.69% | 15.78% | 14.51% | 15.62% | 15.78% | 14.97% | -80 bps | |
| Equity / Assets | 8.64% | 8.95% | 8.80% | 9.00% | 8.04% | 9.09% | 9.35% | 9.38% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.81% | 83.50% | 81.88% | 82.48% | 82.05% | 82.44% | 84.85% | 90.06% | +758 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.08% | 0.07% | 0.05% | 0.05% | 0.07% | 0.08% | 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 |