Campbellsville, KY · Cert 33232
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Campbellsville, KY · Cert 33232
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.90% | 0.91% | 0.90% | 0.86% | 0.81% | 0.85% | 0.84% | -6 bps | |
| Return on Equity | 10.01% | 10.18% | 10.44% | 10.39% | 9.98% | 9.61% | 9.97% | 9.88% | -51 bps | |
| Net Interest Margin | 4.46% | 4.30% | 4.30% | 4.24% | 4.11% | 4.12% | 4.28% | 4.25% | +2 bps | |
| Efficiency Ratio | 69.44% | 68.37% | 68.08% | 68.35% | 69.55% | 70.21% | 69.44% | 70.44% | +208 bps | |
| Non-Interest Burden | 2.87% | 2.71% | 2.69% | 2.66% | 2.64% | 2.68% | 2.75% | 2.77% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | -0.75% | -2.25% | 6.84% | 8.96% | 7.05% | 4.62% | 7.42% | +58 bps | |
| Loan Growth (YoY) | -6.24% | -0.69% | 0.72% | 6.05% | 14.79% | 6.79% | 5.72% | 12.07% | +602 bps | |
| Deposit Growth (YoY) | 2.01% | 1.56% | 4.11% | 2.73% | 6.73% | 7.24% | 6.23% | 7.22% | +449 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 | 0.06% | 0.14% | 0.09% | 0.08% | 0.12% | 0.05% | 0.07% | 0.08% | 0 bps | |
| Allowance / Loans | 1.54% | 1.52% | 1.51% | 1.55% | 1.47% | 1.57% | 1.57% | 1.50% | -5 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 | 14.46% | 14.02% | 13.57% | 13.48% | 12.85% | 13.37% | 13.17% | 12.57% | -91 bps | |
| Equity / Assets | 8.83% | 8.81% | 8.47% | 8.59% | 8.24% | 8.57% | 8.68% | 8.60% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.90% | 92.62% | 96.30% | 97.36% | 95.61% | 92.22% | 95.84% | 101.77% | +441 bps | |
| Liquid Assets / Assets | 0.03% | 0.04% | 0.04% | 0.06% | 0.07% | 0.36% | 0.36% | 0.30% | +24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |