Glasgow, KY · Cert 285
FDIC
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.52% | 0.24% | -2.61% | -2.38% | -1.89% | -0.10% | -0.05% | +256 bps | |
| Return on Equity | 12.80% | 6.31% | 2.71% | -30.54% | -29.18% | -23.62% | -1.28% | -0.65% | +2,989 bps | |
| Net Interest Margin | 5.72% | 5.43% | 5.12% | 4.93% | 4.70% | 4.81% | 4.76% | 5.00% | +7 bps | |
| Efficiency Ratio | 76.42% | 78.29% | 89.36% | 104.70% | 94.79% | 93.33% | 97.32% | 98.95% | -575 bps | |
| Non-Interest Burden | 4.17% | 4.03% | 4.48% | 5.20% | 4.40% | 4.42% | 4.61% | 4.94% | -26 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 | 0.66% | 1.26% | 0.94% | 4.67% | 2.89% | 2.74% | 0.27% | 0.19% | -448 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 |