Berea, KY · Cert 2681
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.35% | 0.19% | -0.31% | 0.14% | 0.51% | 0.05% | -6.23% | -592 bps | |
| Return on Equity | 5.49% | 3.34% | 1.73% | -2.76% | 1.32% | 4.75% | 0.47% | -60.86% | -5,811 bps | |
| Net Interest Margin | 3.69% | 3.57% | 3.44% | 3.63% | 3.43% | 3.45% | 3.52% | 4.08% | +46 bps | |
| Efficiency Ratio | 79.82% | 75.42% | 86.96% | 87.63% | 94.46% | 86.93% | 96.72% | 165.06% | +7,743 bps | |
| Non-Interest Burden | 2.71% | 2.39% | 2.84% | 3.04% | 3.18% | 2.84% | 3.36% | 7.54% | +451 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | -0.82% | -5.39% | -4.14% | -1.86% | -2.40% | 0.85% | -0.25% | +388 bps | |
| Loan Growth (YoY) | -7.99% | -1.49% | -4.70% | -2.48% | 7.77% | 4.79% | 5.86% | 1.78% | +426 bps | |
| Deposit Growth (YoY) | -0.88% | -2.40% | -7.05% | -5.41% | -1.68% | -1.30% | 1.62% | 1.06% | +647 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 | 2.03% | 0.15% | 0.73% | 0.85% | 0.12% | 0.59% | 0.12% | 1.93% | +108 bps | |
| Allowance / Loans | 0.73% | 1.07% | 1.11% | 1.31% | 1.26% | 1.16% | 1.18% | 2.00% | +69 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 | 19.77% | 19.84% | 20.27% | 20.26% | 19.36% | 19.31% | 19.71% | 17.72% | -254 bps | |
| Equity / Assets | 10.59% | 10.57% | 11.02% | 11.14% | 10.74% | 10.82% | 10.80% | 9.65% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.71% | 59.48% | 61.01% | 62.81% | 63.26% | 63.15% | 63.56% | 63.25% | +44 bps | |
| Liquid Assets / Assets | 27.10% | 32.90% | 30.41% | 27.44% | 23.86% | 22.50% | 26.26% | 27.00% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |