Cynthiana, KY · Cert 2689
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Cynthiana, KY · Cert 2689
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.76% | -1.85% | -3.15% | -4.95% | -3.68% | -3.10% | -3.84% | -0.39% | +457 bps | |
| Return on Equity | -21.92% | -14.55% | -25.18% | -43.34% | -31.78% | -26.27% | -32.59% | -3.32% | +4,001 bps | |
| Net Interest Margin | 2.41% | 2.69% | 2.66% | 2.25% | 2.16% | 2.42% | 0.55% | 2.45% | +20 bps | |
| Efficiency Ratio | 104.37% | 97.05% | 104.78% | 158.06% | 139.82% | 142.01% | 412% | 112.24% | -4,582 bps | |
| Non-Interest Burden | 2.54% | 2.60% | 2.82% | 3.79% | 3.21% | 3.64% | 3.88% | 2.84% | -95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.67% | -9.72% | -9.87% | -8.67% | -6.17% | -13.83% | -24.17% | -25.99% | -1,732 bps | |
| Loan Growth (YoY) | -32.38% | -28.59% | -20.22% | -15.01% | -17.36% | -15.63% | -19.44% | -22.89% | -788 bps | |
| Deposit Growth (YoY) | -21.90% | -3.97% | 3.00% | 4.95% | 5.50% | -11.91% | -15.22% | -18.75% | -2,370 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 | 8.78% | 6.18% | 7.70% | 5.02% | 4.83% | 3.98% | 3.45% | 1.82% | -320 bps | |
| Allowance / Loans | 5.80% | 6.23% | 7.38% | 8.59% | 9.07% | 8.97% | 9.70% | 10.25% | +166 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 | 22.45% | 22.89% | 20.46% | 21.57% | 22.92% | 22.76% | 22.68% | 23.62% | +204 bps | |
| Equity / Assets | 12.74% | 13.05% | 11.59% | 11.28% | 11.85% | 12.62% | 11.75% | 11.56% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.01% | 60.29% | 56.61% | 52.28% | 51.71% | 57.74% | 53.80% | 49.61% | -267 bps | |
| Liquid Assets / Assets | 0.62% | 1.32% | 2.03% | 4.96% | 6.41% | 4.25% | 5.14% | 3.71% | -126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |