Frankfort, KY · Cert 2743
FDIC
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 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.
Frankfort, KY · Cert 2743
FDIC
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.04% | 0.68% | 0.83% | 0.74% | 0.75% | 0.70% | 0.73% | -10 bps | |
| Return on Equity | 13.61% | 13.27% | 8.81% | 11.20% | 9.95% | 10.23% | 9.60% | 10.04% | -115 bps | |
| Net Interest Margin | 3.94% | 4.11% | 4.01% | 3.56% | 3.37% | 3.25% | 3.45% | 3.37% | -19 bps | |
| Efficiency Ratio | 69.06% | 69.24% | 69.81% | 73.98% | 76.52% | 76.50% | 75.99% | 76.86% | +288 bps | |
| Non-Interest Burden | 2.62% | 2.74% | 2.70% | 2.55% | 2.50% | 2.41% | 2.54% | 2.51% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.47% | -3.95% | -1.06% | -2.04% | 8.59% | 7.12% | 0.61% | -0.35% | +170 bps | |
| Loan Growth (YoY) | -1.03% | -2.23% | -10.93% | -11.55% | -16.78% | -18.75% | -21.49% | -22.15% | -1,060 bps | |
| Deposit Growth (YoY) | 3.53% | -3.73% | -0.84% | -0.90% | 9.55% | 6.02% | 1.03% | -2.97% | -207 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 | 0.08% | 0.07% | 0.90% | -0.01% | 0.02% | 0.11% | 0.24% | 0.03% | +3 bps | |
| Allowance / Loans | 2.09% | 2.07% | 2.25% | 2.37% | 2.55% | 2.53% | 2.64% | 2.78% | +41 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 | 13.68% | 14.19% | 12.76% | 13.50% | 13.78% | 13.74% | 13.78% | 14.51% | +101 bps | |
| Equity / Assets | 8.05% | 8.93% | 7.35% | 7.43% | 7.49% | 7.12% | 6.82% | 7.67% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.52% | 67.11% | 59.45% | 57.01% | 49.02% | 51.43% | 46.20% | 45.74% | -1,127 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 |