Russellville, KY · Cert 2768
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Russellville, KY · Cert 2768
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 | 0.32% | 0.21% | 0.99% | 0.96% | 0.96% | 0.78% | 1.14% | 1.13% | +17 bps | |
| Return on Equity | 3.02% | 1.98% | 10.08% | 10.04% | 9.93% | 7.88% | 10.45% | 10.25% | +21 bps | |
| Net Interest Margin | 1.61% | 1.83% | 2.58% | 2.65% | 2.81% | 3.09% | 3.23% | 3.39% | +73 bps | |
| Efficiency Ratio | 73.16% | 66.16% | 57.92% | 59.54% | 60.60% | 59.53% | 56.68% | 56.83% | -272 bps | |
| Non-Interest Burden | 1.09% | 1.07% | 1.25% | 1.37% | 1.49% | 1.60% | 1.55% | 1.66% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.25% | 2.27% | -2.18% | 0.95% | -1.46% | -5.84% | -5.16% | -8.28% | -922 bps | |
| Loan Growth (YoY) | -12.70% | -14.65% | -7.80% | -4.24% | -3.19% | 31.21% | 41.70% | 37.91% | +4,215 bps | |
| Deposit Growth (YoY) | 7.10% | 6.79% | -2.67% | 1.24% | -1.59% | -6.84% | -5.48% | -9.09% | -1,033 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 | 0.30% | 1.33% | -0.16% | 0.00% | 0.20% | 0.52% | -0.11% | -0.22% | -22 bps | |
| Allowance / Loans | 1.12% | 1.24% | 1.32% | 1.30% | 1.21% | 1.15% | 1.17% | 1.26% | -4 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 | 11.83% | 11.89% | 11.59% | 11.38% | 11.85% | 10.67% | 10.52% | 10.82% | -56 bps | |
| Equity / Assets | 9.78% | 9.65% | 9.97% | 8.94% | 10.30% | 10.88% | 10.93% | 11.23% | +229 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.78% | 47.53% | 47.91% | 48.38% | 48.97% | 66.95% | 71.83% | 73.39% | +2,501 bps | |
| Liquid Assets / Assets | 1.30% | 0.37% | 0.22% | 0.20% | 0.18% | 0.17% | 0.16% | 0.15% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |