Crestview Hills, KY · Cert 33541
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.58% | 1.58% | -13.58% | 1.42% | -0.42% | -11.31% | -1,289 bps | |
| Return on Equity | n/a | n/a | 17.07% | 16.56% | -166.28% | 20.31% | -5.85% | -190.22% | -20,677 bps | |
| Net Interest Margin | n/a | 4.32% | 4.41% | 4.41% | 4.42% | 4.35% | 3.93% | 3.55% | -86 bps | |
| Efficiency Ratio | n/a | 53.22% | 49.34% | 51.81% | 278% | 55.90% | 113.97% | 480% | +42,822 bps | |
| Non-Interest Burden | n/a | 1.93% | 1.71% | 1.87% | 14.03% | 2.03% | 4.60% | 20.54% | +1,866 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% | 0.04% | 0.04% | 13.17% | 0.03% | -0.77% | -0.15% | -19 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 |