Glasgow, KY · Cert 285
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | -1.10% | 0.24% | -5.58% | -1.93% | -0.34% | -0.10% | 0.00% | +558 bps | |
| Return on Equity | 9.16% | -12.50% | 2.71% | -65.64% | -26.31% | -4.66% | -1.28% | 0.00% | +6,564 bps | |
| Net Interest Margin | 5.48% | 4.57% | 5.12% | 4.77% | 4.28% | 4.87% | 4.76% | 4.88% | +11 bps | |
| Efficiency Ratio | 74.13% | 84.39% | 89.36% | 121.01% | 75.17% | 88.83% | 97.32% | 100.57% | -2,044 bps | |
| Non-Interest Burden | 3.87% | 3.62% | 4.48% | 5.94% | 2.85% | 4.24% | 4.61% | 4.92% | -102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.62% | -10.04% | -13.05% | -5.82% | -5.21% | -10.68% | -6.97% | -15.62% | -980 bps | |
| Loan Growth (YoY) | -13.19% | -11.30% | -9.71% | -7.09% | -5.84% | -3.80% | -5.48% | -11.52% | -444 bps | |
| Deposit Growth (YoY) | -24.86% | -19.36% | -21.54% | -4.26% | 6.06% | 6.18% | 10.66% | -7.99% | -373 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 | 1.40% | 2.98% | 0.94% | 8.41% | -0.58% | 2.15% | 0.27% | 0.10% | -831 bps | |
| Allowance / Loans | 1.25% | 1.26% | 1.22% | 1.46% | 2.78% | 3.40% | 3.61% | 3.82% | +235 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 | 14.01% | 13.56% | 14.44% | 12.13% | 10.73% | 10.56% | 11.07% | 11.48% | -65 bps | |
| Equity / Assets | 8.91% | 8.63% | 9.44% | 7.59% | 7.04% | 7.38% | 7.70% | 7.95% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.17% | 95.99% | 100.75% | 89.56% | 88.93% | 86.97% | 86.06% | 86.11% | -344 bps | |
| Liquid Assets / Assets | 1.88% | 1.27% | 1.12% | 1.07% | 1.09% | 1.94% | 2.02% | 1.73% | +65 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |