Louisville, KY · Cert 33243
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Louisville, KY · Cert 33243
FDIC
Q1 2002
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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.78% | 0.80% | 0.96% | 0.86% | 0.91% | 1.05% | 0.93% | -3 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.17% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.42% | 3.31% | 3.42% | 3.41% | 3.65% | +23 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 71.72% | 73.24% | 71.86% | 70.59% | 68.08% | -363 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.87% | 1.86% | 1.86% | 1.77% | 1.85% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.36% | 8.19% | 6.82% | 12.02% | 2.43% | 1.82% | 12.74% | 3.31% | -870 bps | |
| Loan Growth (YoY) | 9.68% | 8.45% | 10.21% | 15.62% | 9.52% | 7.66% | 19.03% | 10.28% | -534 bps | |
| Deposit Growth (YoY) | 7.50% | 6.00% | 8.17% | 12.97% | 5.97% | 13.92% | 8.40% | -3.17% | -1,614 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 | 0.10% | 0.37% | 0.27% | 0.27% | 0.22% | +12 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.07% | 1.00% | 1.05% | 0.95% | 1.03% | -3 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 | n/a | n/a | n/a | 11.16% | 11.21% | 11.13% | 10.49% | 10.68% | -48 bps | |
| Equity / Assets | n/a | n/a | n/a | 7.66% | 7.90% | 8.27% | 7.53% | 7.84% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.92% | 114.50% | 102.77% | 104.70% | 112.57% | 108.21% | 112.85% | 119.24% | +1,454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.20% | 0.24% | 0.24% | 0.21% | 0.19% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |