Louisville, KY · Cert 278
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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.
Louisville, KY · Cert 278
FDIC
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.80% | 0.92% | 1.02% | 1.53% | 1.42% | 1.38% | 1.35% | +32 bps | |
| Return on Equity | 7.34% | 7.86% | 9.16% | 10.34% | 15.90% | 14.81% | 14.41% | 13.75% | +341 bps | |
| Net Interest Margin | 2.81% | 2.72% | 2.74% | 2.80% | 3.34% | 3.19% | 3.21% | 3.18% | +38 bps | |
| Efficiency Ratio | 53.99% | 52.48% | 48.51% | 44.96% | 37.47% | 39.17% | 38.64% | 38.80% | -616 bps | |
| Non-Interest Burden | 1.43% | 1.34% | 1.24% | 1.16% | 0.90% | 1.02% | 1.04% | 1.07% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | 14.44% | 14.86% | 15.72% | 12.23% | 15.95% | 14.78% | 16.74% | +102 bps | |
| Loan Growth (YoY) | 6.79% | 17.24% | 14.67% | 19.02% | 15.57% | 10.95% | 13.65% | 6.82% | -1,220 bps | |
| Deposit Growth (YoY) | -3.45% | 7.71% | 15.06% | 13.96% | 14.28% | 23.63% | 21.71% | 23.19% | +924 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 | 0.03% | 0.01% | 0.02% | 0.01% | -0.02% | -0.16% | -0.10% | 0.08% | +7 bps | |
| Allowance / Loans | 1.44% | 1.46% | 1.45% | 1.43% | 1.50% | 1.62% | 1.59% | 1.52% | +8 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 | 13.88% | 13.60% | 13.06% | 12.44% | 13.00% | 13.25% | 12.76% | 12.26% | -18 bps | |
| Equity / Assets | 10.36% | 9.92% | 9.86% | 9.36% | 9.84% | 9.57% | 9.43% | 10.65% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.76% | 98.81% | 100.26% | 100.98% | 101.90% | 88.68% | 93.62% | 87.55% | -1,342 bps | |
| Liquid Assets / Assets | 0.15% | 0.14% | 0.15% | 0.11% | 0.08% | 1.05% | 1.83% | 0.09% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |