Crestview Hills, KY · Cert 33541
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 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.
Crestview Hills, KY · Cert 33541
FDIC
Q3 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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.40% | 1.50% | 1.52% | -2.38% | 1.42% | 0.51% | -3.35% | -487 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 20.31% | 7.16% | -51.65% | n/a | |
| Net Interest Margin | n/a | 4.32% | 4.29% | 4.22% | 4.23% | 4.35% | 4.11% | 4.01% | -21 bps | |
| Efficiency Ratio | n/a | 53.22% | 51.21% | 51.42% | 111.53% | 55.90% | 83.62% | 204% | +15,277 bps | |
| Non-Interest Burden | n/a | 1.93% | 1.78% | 1.77% | 4.82% | 2.03% | 3.30% | 9.11% | +734 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.88% | 26.94% | 13.82% | 17.46% | 10.16% | 5.20% | 1.71% | -1.52% | -1,898 bps | |
| Loan Growth (YoY) | 26.01% | 26.19% | 17.75% | 18.59% | 6.37% | 7.39% | -9.63% | -12.23% | -3,082 bps | |
| Deposit Growth (YoY) | 18.13% | 20.90% | 13.50% | 12.04% | 6.85% | 5.05% | 0.98% | -1.00% | -1,304 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 | 0.00% | 0.02% | 0.03% | 3.31% | 0.03% | -0.37% | -0.30% | -33 bps | |
| Allowance / Loans | n/a | 0.97% | 1.00% | 1.02% | 1.02% | 0.98% | 1.33% | 1.41% | +39 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 | 10.21% | 10.35% | 10.50% | 7.88% | 7.96% | 8.94% | 6.05% | -445 bps | |
| Equity / Assets | n/a | 9.00% | 9.47% | 9.57% | 6.81% | 7.17% | 7.36% | 4.53% | -504 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.13% | 105.22% | 109.54% | 108.47% | 101.67% | 107.56% | 98.03% | 96.17% | -1,231 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.04% | 0.01% | 0.02% | +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 |