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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.95% | -3.68% | -3.10% | -3.84% | -0.39% | +457 bps | |
| Return on Equity | -43.34% | -31.78% | -26.27% | -32.59% | -3.32% | +4,001 bps | |
| Net Interest Margin | 2.25% | 2.16% | 2.42% | 0.55% | 2.45% | +20 bps | |
| Efficiency Ratio | 158.06% | 139.82% | 142.01% | 412% | 112.24% | -4,582 bps | |
| Non-Interest Burden | 3.79% | 3.21% | 3.64% | 3.88% | 2.84% | -95 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.67% | -6.17% | -13.83% | -24.17% | -25.99% | -1,732 bps | |
| Loan Growth (YoY) | -15.01% | -17.36% | -15.63% | -19.44% | -22.89% | -788 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 5.02% | 4.83% | 3.98% | 3.45% | 1.82% | -320 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 21.57% | 22.92% | 22.76% | 22.68% | 23.62% | +204 bps | |
| Equity / Assets | 11.28% | 11.85% | 12.62% | 11.75% | 11.56% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.28% | 51.71% | 57.74% | 53.80% | 49.61% | -267 bps | |
| Liquid Assets / Assets | 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 |