Louisville, KY · Cert 2756
FDIC
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 0.87% | 0.37% | 1.01% | 1.33% | 1.38% | 2.49% | 2.06% | +105 bps | |
| Return on Equity | 14.09% | 11.44% | 5.84% | 15.69% | 20.89% | 21.13% | 33.98% | 27.91% | +1,222 bps | |
| Net Interest Margin | 1.85% | 2.06% | 3.03% | 3.07% | 2.82% | 2.73% | 2.72% | 2.92% | -15 bps | |
| Efficiency Ratio | 56.52% | 54.73% | 46.70% | 46.38% | 43.92% | 41.55% | 37.44% | 37.45% | -893 bps | |
| Non-Interest Burden | 0.52% | 0.53% | 0.89% | 0.82% | 0.59% | 0.47% | -0.48% | -0.48% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.56% | 17.00% | 23.89% | 21.58% | 30.99% | -3.78% | -4.21% | -15.98% | -3,756 bps | |
| Loan Growth (YoY) | -5.63% | 47.81% | 41.83% | 38.29% | 30.24% | -13.56% | -14.64% | -12.58% | -5,087 bps | |
| Deposit Growth (YoY) | 3.70% | -1.76% | 7.65% | -6.34% | 2.72% | 0.74% | -6.00% | 3.17% | +951 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% | 0.09% | -0.01% | 0.05% | 0.20% | 0.45% | 0.62% | 0.43% | +38 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 13.05% | 11.01% | 11.35% | 10.85% | 12.05% | 12.55% | 11.99% | 12.02% | +117 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.12% | 166.40% | 151.16% | 157.55% | 139.62% | 142.78% | 137.26% | 133.50% | -2,405 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 |