PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First NB of Louisa

Louisa, KY · Cert 2705

FDIC

Q2 2011

$49.5MAssets
$19.7MLoans
$43.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.06%, down 12 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 45.50% of deposits as of Q2 2011.

Return on Assets (YTD, annualized)

0.06%-12 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets0.02%0.05%0.09%0.17%0.18%0.23%0.07%0.06%-12 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)8.59%6.70%1.64%-2.61%-0.42%3.58%19.39%5.84%+844 bps
Loan Growth (YoY)-3.70%-5.95%-6.47%-9.68%-11.15%-13.33%-10.58%-7.00%+268 bps
Deposit Growth (YoY)9.76%9.82%3.57%-2.05%0.63%4.43%22.50%6.80%+884 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits55.90%55.53%53.32%52.25%49.36%46.09%38.92%45.50%-675 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a