Princeton, KY · Cert 2764
FDIC
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.41% | 1.15% | 1.15% | 1.10% | 1.10% | 1.32% | 1.07% | -9 bps | |
| Return on Equity | 4.23% | 4.17% | 11.56% | 11.97% | 11.26% | 11.15% | 12.87% | 10.36% | -161 bps | |
| Net Interest Margin | 1.99% | 2.25% | 3.23% | 3.24% | 3.34% | 3.29% | 3.68% | 3.71% | +47 bps | |
| Efficiency Ratio | 80.46% | 77.67% | 59.88% | 60.62% | 63.56% | 64.34% | 59.57% | 60.16% | -46 bps | |
| Non-Interest Burden | 1.53% | 1.67% | 1.74% | 1.77% | 1.93% | 1.93% | 1.92% | 2.00% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.65% | -4.00% | -3.57% | -1.74% | -0.88% | -1.60% | -2.50% | -3.74% | -200 bps | |
| Loan Growth (YoY) | -19.15% | -17.60% | -13.68% | -8.60% | 2.46% | 18.94% | 41.95% | 40.76% | +4,935 bps | |
| Deposit Growth (YoY) | -1.30% | -2.39% | -4.65% | 0.41% | -2.17% | -1.91% | -1.88% | -5.39% | -579 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 | 0.81% | 0.86% | -0.58% | -0.31% | -0.23% | -0.16% | 0.03% | 0.00% | +31 bps | |
| Allowance / Loans | 1.13% | 1.26% | 1.50% | 1.49% | 1.46% | 1.25% | 1.09% | 1.09% | -40 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 | 11.45% | 11.81% | 11.83% | 12.02% | 12.08% | 10.99% | 10.56% | 10.43% | -159 bps | |
| Equity / Assets | 9.62% | 9.84% | 10.10% | 8.99% | 10.06% | 10.18% | 10.29% | 10.46% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.41% | 46.08% | 44.07% | 44.14% | 47.56% | 55.87% | 63.75% | 65.67% | +2,153 bps | |
| Liquid Assets / Assets | 0.12% | 0.02% | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 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 |