Harrodsburg, KY · Cert 2752
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | -0.58% | -0.14% | 0.42% | 0.45%1 | 0.41%1 | 0.37% | 0.61%1 | +19 bps | |
| Return on Equity | 13.27% | -11.53% | -2.79% | 8.94% | 9.37% | 8.11% | 7.08% | 9.76% | +82 bps | |
| Net Interest Margin | 2.87% | 2.95% | 2.73% | 2.38% | 2.30% | 2.38% | 2.45% | 2.67% | +29 bps | |
| Efficiency Ratio | 65.99% | 65.86% | 67.63% | 78.54% | 82.48% | 78.64% | 78.09% | 76.96% | -158 bps | |
| Non-Interest Burden | 1.67% | 1.71% | 1.64% | 1.78% | 1.82% | 1.76% | 1.80% | 1.96% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.31% | 29.57% | 12.76% | 14.30% | 13.74% | 13.23% | 2.55% | -4.52% | -1,882 bps | |
| Loan Growth (YoY) | 8.97% | 6.68% | 6.56% | 3.43% | -2.07% | 0.45% | -2.78% | -3.85% | -728 bps | |
| Deposit Growth (YoY) | 11.37% | 13.72% | 15.88% | 17.01% | 15.90% | 13.54% | 1.65% | -5.93% | -2,294 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 | 0.22% | 0.19% | 0.19% | 0.63% | 0.66% | 0.56% | 0.56% | 0.60% | -2 bps | |
| Allowance / Loans | 1.16% | 1.22% | 1.29% | 1.32% | 1.42% | 1.52% | 1.67% | 1.71% | +38 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 | 10.33% | 9.39% | 10.59% | 10.49% | 11.18% | 11.18% | 11.50% | 12.86% | +237 bps | |
| Equity / Assets | 5.17% | 4.27% | 4.94% | 4.38% | 5.11% | 5.89% | 5.88% | 6.58% | +220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.58% | 71.78% | 66.19% | 61.38% | 60.48% | 63.51% | 63.30% | 62.73% | +135 bps | |
| Liquid Assets / Assets | 0.09% | 0.09% | 7.99% | 10.59% | 5.73% | 2.96% | 3.48% | 7.33% | -326 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |