Mount Sterling, KY · Cert 2712
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.27% | 1.13% | 1.19% | 1.15% | 2.19% | 1.26% | 1.27% | +9 bps | |
| Return on Equity | 7.16% | 8.15% | 7.42% | 7.63% | 7.38% | 14.65% | 8.56% | 8.87% | +125 bps | |
| Net Interest Margin | 4.35% | 4.31% | 4.12% | 4.01% | 3.89% | 4.10% | 4.10% | 4.01% | +1 bps | |
| Efficiency Ratio | 63.84% | 58.55% | 61.17% | 62.11% | 62.53% | 50.37% | 59.33% | 59.41% | -270 bps | |
| Non-Interest Burden | 2.55% | 2.24% | 2.20% | 2.14% | 2.11% | 1.67% | 2.12% | 2.02% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.08% | 3.21% | 6.17% | 7.36% | 6.64% | 3.20% | 4.65% | 2.32% | -504 bps | |
| Loan Growth (YoY) | 0.39% | 7.23% | 9.80% | 8.44% | 6.52% | 5.72% | 5.75% | 5.91% | -253 bps | |
| Deposit Growth (YoY) | 2.09% | -0.18% | 1.25% | 0.84% | 1.89% | 1.71% | 4.32% | 4.49% | +364 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 | 0.26% | 0.37% | 0.34% | 0.24% | 0.33% | 0.51% | -0.18% | 0.09% | -15 bps | |
| Allowance / Loans | 2.06% | 2.00% | 2.00% | 2.09% | 2.06% | 2.07% | 2.15% | 2.27% | +18 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 | 20.04% | 19.21% | 19.38% | 20.44% | 20.68% | 18.20% | 18.22% | 17.75% | -269 bps | |
| Equity / Assets | 15.97% | 15.15% | 15.29% | 15.87% | 15.36% | 14.52% | 14.83% | 13.88% | -199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.07% | 93.63% | 98.00% | 97.92% | 97.30% | 97.33% | 99.35% | 99.25% | +133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |