Lexington, KY · Cert 27375
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Lexington, KY · Cert 27375
FDIC
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.79% | 1.83% | 1.68% | 1.77% | 1.74% | 1.62% | 0.00% | 0.64% | -113 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | 7.02% | n/a | |
| Net Interest Margin | n/a | n/a | 4.25% | 4.44% | 4.37% | 4.14% | 0.00% | 1.97% | -247 bps | |
| Efficiency Ratio | n/a | n/a | 49.10% | 46.17% | 46.40% | 47.39% | n/a | 52.79% | +662 bps | |
| Non-Interest Burden | n/a | n/a | 1.55% | 1.57% | 1.57% | 1.53% | 0.00% | 0.88% | -69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.06% | 22.27% | 17.96% | 8.29% | 6.67% | 9.09% | 8.03% | 20.05% | +1,176 bps | |
| Loan Growth (YoY) | 18.21% | 20.70% | 12.47% | 12.96% | 18.31% | 21.72% | 17.56% | 25.34% | +1,238 bps | |
| Deposit Growth (YoY) | 38.99% | 26.61% | 26.20% | 7.60% | -1.49% | 3.53% | 4.23% | 5.14% | -246 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 | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | n/a | n/a | 1.12% | 1.10% | 1.06% | 1.13% | 2.05% | 1.89% | +80 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 | n/a | n/a | 11.91% | 12.01% | 11.96% | 11.75% | 11.40% | 10.76% | -125 bps | |
| Equity / Assets | n/a | n/a | 9.13% | 9.95% | 9.74% | 9.49% | 9.09% | 8.82% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.19% | 98.77% | 102.58% | 113.41% | 119.12% | 116.12% | 115.70% | 135.20% | +2,179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.06% | 0.02% | 0.04% | 0.05% | 0.00% | -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 |