Berea, KY · Cert 2681
FDIC
Q4 2005
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 | 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% | 0.47% | 0.38% | 0.21% | 0.14% | 0.33% | 0.24% | -1.37% | -158 bps | |
| Return on Equity | 5.49% | 4.41% | 3.52% | 1.95% | 1.32% | 3.04% | 2.18% | -12.86% | -1,481 bps | |
| Net Interest Margin | 3.69% | 3.61% | 3.60% | 3.69% | 3.43% | 3.40% | 3.46% | 3.65% | -4 bps | |
| Efficiency Ratio | 79.82% | 77.63% | 80.61% | 82.33% | 94.46% | 90.60% | 92.69% | 112.46% | +3,014 bps | |
| Non-Interest Burden | 2.71% | 2.54% | 2.67% | 2.82% | 3.18% | 2.97% | 3.12% | 4.26% | +144 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% | 1.06% | 0.96% | 0.93% | 0.12% | 0.35% | 0.28% | 0.70% | -23 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 |