Georgetown, KY · Cert 27240
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.13% | -0.37% | 0.10% | 0.01%1 | 0.15% | -0.13% | -0.96% | -106 bps | |
| Return on Equity | -1.62% | -1.38% | -3.90% | 1.08% | 0.10% | 1.54% | -1.29% | -6.77% | -785 bps | |
| Net Interest Margin | 3.51% | 3.62% | 3.09% | 3.36% | 3.45% | 3.48% | 2.98% | -4.56% | -792 bps | |
| Efficiency Ratio | 90.05% | 89.15% | 103.16% | 96.68% | 99.89% | 95.42% | 104.87% | 151.30% | +5,462 bps | |
| Non-Interest Burden | 3.06% | 3.11% | 3.22% | 3.21% | 3.44% | 3.27% | 3.17% | -3.18% | -639 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 | 0.37% | 0.65% | 1.86% | 2.05% | 0.79% | 0.95% | 0.22% | 1.81% | -24 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 |