Georgetown, KY · Cert 27240
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Georgetown, KY · Cert 27240
FDIC
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.19% | -0.13% | -0.25% | -0.13% | -0.10% | 0.15% | 0.01% | -0.31% | -18 bps | |
| Return on Equity | -13.38% | -1.38% | -2.63% | -1.40% | -1.03% | 1.54% | 0.13% | -2.57% | -117 bps | |
| Net Interest Margin | 3.75% | 3.62% | 3.42% | 3.43% | 3.49% | 3.48% | 3.26% | 0.60% | -283 bps | |
| Efficiency Ratio | 85.48% | 89.15% | 95.74% | 96.05% | 96.98% | 95.42% | 99.70% | 127.51% | +3,146 bps | |
| Non-Interest Burden | 3.08% | 3.11% | 3.23% | 3.25% | 3.35% | 3.27% | 3.25% | 1.05% | -220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.35% | -18.31% | -14.40% | -8.34% | -6.21% | -2.42% | -8.16% | -0.37% | +797 bps | |
| Loan Growth (YoY) | -18.99% | -15.10% | -14.01% | -6.97% | -4.23% | -2.61% | -8.76% | -16.30% | -933 bps | |
| Deposit Growth (YoY) | -21.54% | -19.96% | -15.73% | -9.54% | -6.78% | -2.87% | -9.37% | -10.60% | -106 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 | 2.07% | 0.65% | 1.26% | 1.49% | 1.36% | 0.95% | 0.62% | 1.04% | -45 bps | |
| Allowance / Loans | 4.59% | 4.84% | 4.59% | 3.89% | 3.86% | 3.68% | 3.92% | 3.32% | -57 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 | 14.65% | 15.31% | 14.32% | 13.52% | 13.71% | 14.00% | 14.74% | 16.59% | +307 bps | |
| Equity / Assets | 9.33% | 9.47% | 9.39% | 9.72% | 9.81% | 9.71% | 10.08% | 18.13% | +841 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.31% | 82.30% | 81.37% | 88.16% | 85.59% | 82.52% | 81.91% | 82.53% | -563 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.03% | 0.00% | 0.06% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |