Bardstown, KY · Cert 31626
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.92% | 0.91% | 0.65% | 0.47% | 0.69% | 0.74% | 0.34% | -31 bps | |
| Return on Equity | 2.64% | 7.12% | 7.07% | 5.21% | 3.72% | 5.58% | 6.54% | 3.28% | -193 bps | |
| Net Interest Margin | 2.94% | 2.89% | 3.08% | 2.81% | 2.59% | 2.82% | 2.57% | 2.61% | -20 bps | |
| Efficiency Ratio | 82.18% | 58.33% | 60.83% | 79.34% | 79.77% | 67.08% | 67.95% | 86.64% | +730 bps | |
| Non-Interest Burden | 2.39% | 1.59% | 1.76% | 2.15% | 1.94% | 1.67% | 1.55% | 2.17% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.22% | 4.50% | 8.72% | 6.61% | -0.93% | 12.01% | 14.89% | 20.98% | +1,437 bps | |
| Loan Growth (YoY) | -14.03% | -6.81% | 4.05% | 12.39% | 13.28% | 24.05% | 20.75% | 26.49% | +1,410 bps | |
| Deposit Growth (YoY) | 15.69% | 7.16% | 4.54% | 11.52% | -1.71% | 13.29% | 36.68% | 27.03% | +1,551 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 | -0.08% | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0.11% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.00% | 0.92% | 0.90% | 0.93% | 0.89% | 0.81% | 0.74% | -16 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 | 22.33% | 21.18% | 20.01% | 18.40% | 18.68% | 16.97% | 15.82% | 14.54% | -386 bps | |
| Equity / Assets | 12.68% | 13.13% | 12.66% | 12.45% | 12.90% | 11.77% | 10.83% | 10.13% | -233 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.37% | 122.08% | 131.05% | 124.33% | 129.51% | 133.68% | 115.78% | 123.80% | -53 bps | |
| Liquid Assets / Assets | 0.39% | 0.17% | 0.25% | 0.87% | 0.62% | 0.37% | 0.29% | 0.26% | -61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |