Russellville, KY · Cert 2768
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | -0.13% | 0.99% | 0.92% | 0.97% | 0.21% | 1.14% | 1.11% | +19 bps | |
| Return on Equity | 6.47% | -1.34% | 10.08% | 9.78% | 10.13% | 2.01% | 10.45% | 10.04% | +26 bps | |
| Net Interest Margin | 2.16% | 2.55% | 2.58% | 2.70% | 2.96% | 3.26% | 3.23% | 3.51% | +81 bps | |
| Efficiency Ratio | 70.00% | 53.65% | 57.92% | 61.17% | 62.60% | 56.52% | 56.68% | 56.97% | -420 bps | |
| Non-Interest Burden | 1.38% | 1.04% | 1.25% | 1.46% | 1.66% | 1.58% | 1.55% | 1.75% | +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 | 0.31% | 4.39% | -0.16% | 0.16% | 0.58% | 1.64% | -0.11% | -0.32% | -47 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 |