Fort Mitchell, KY · Cert 33556
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.91% | 3.04% | 0.51% | 2.72% | 2.31% | 1.43% | 0.75% | 0.81% | -191 bps | |
| Return on Equity | 18.23% | 18.08% | 2.93% | 15.88% | 13.82% | 8.78% | 4.73% | 5.35% | -1,053 bps | |
| Net Interest Margin | 4.60% | 5.21% | 5.35% | 5.02% | 5.64% | 5.20% | 4.70% | 4.35% | -67 bps | |
| Efficiency Ratio | 117.63% | 91.58% | 92.73% | 93.76% | 63.33% | 82.11% | 86.68% | 82.77% | -1,100 bps | |
| Non-Interest Burden | 5.52% | 4.72% | 4.93% | 4.68% | 3.39% | 4.19% | 4.03% | 3.55% | -113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.32% | -3.56% | -0.16% | 4.84% | 12.24% | 19.01% | 22.16% | 11.32% | +648 bps | |
| Loan Growth (YoY) | 1.20% | 6.56% | 14.88% | 21.34% | 23.26% | 16.61% | 20.24% | 12.62% | -872 bps | |
| Deposit Growth (YoY) | -5.86% | -4.83% | -1.02% | 3.11% | 12.51% | 21.20% | 24.80% | 15.33% | +1,222 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 | -0.14% | -0.19% | -0.10% | 0.01% | -0.14% | -0.50% | -0.14% | 0.33% | +31 bps | |
| Allowance / Loans | 3.57% | 2.57% | 2.51% | 1.76% | 1.62% | 1.58% | 1.50% | 1.49% | -27 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 | 23.07% | 23.06% | 21.97% | 22.27% | 21.59% | 21.11% | 20.36% | 19.78% | -249 bps | |
| Equity / Assets | 16.44% | 17.16% | 17.39% | 16.91% | 16.54% | 15.94% | 15.88% | 14.29% | -262 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.33% | 102.12% | 106.05% | 100.20% | 102.25% | 98.25% | 102.17% | 97.84% | -236 bps | |
| Liquid Assets / Assets | 5.04% | 1.53% | 1.53% | 1.45% | 1.35% | 1.29% | 1.25% | 1.30% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |