Whitesburg, KY · Cert 280
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Whitesburg, KY · Cert 280
FDIC
Q2 2001
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 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.08% | 1.05% | 1.03% | 1.02% | 0.97% | 1.07% | 0.89% | -14 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 3.95% | 3.88% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 64.55% | 67.96% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 2.41% | 2.53% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.70% | -4.60% | -4.17% | -5.48% | -3.83% | -0.75% | -0.09% | 3.50% | +898 bps | |
| Loan Growth (YoY) | -5.42% | -7.55% | -6.70% | -1.71% | -2.64% | -2.60% | -1.21% | -2.67% | -96 bps | |
| Deposit Growth (YoY) | -2.49% | -5.65% | -4.44% | -6.17% | -5.20% | -3.03% | -1.24% | 2.74% | +891 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 | n/a | n/a | n/a | n/a | n/a | n/a | 0.32% | 0.44% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 2.26% | 2.25% | 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 | n/a | n/a | n/a | n/a | n/a | n/a | 13.05% | 13.31% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 8.13% | 8.21% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.47% | 77.43% | 76.40% | 78.65% | 79.57% | 77.77% | 76.42% | 74.51% | -414 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 |