Fort Mitchell, KY · Cert 33556
FDIC
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.93% | 1.58% | 2.72% | 2.51% | 2.13% | 1.76% | 0.81% | -191 bps | |
| Return on Equity | 8.69% | 11.91% | 9.59% | 15.88% | 14.84% | 12.77% | 10.69% | 5.35% | -1,053 bps | |
| Net Interest Margin | 4.46% | 4.82% | 4.91% | 5.02% | 5.21% | 4.94% | 4.73% | 4.35% | -67 bps | |
| Efficiency Ratio | 113.85% | 105.92% | 102.43% | 93.76% | 77.30% | 78.98% | 80.87% | 82.77% | -1,100 bps | |
| Non-Interest Burden | 5.16% | 5.14% | 5.04% | 4.68% | 3.92% | 3.81% | 3.75% | 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 | -0.29% | -0.24% | -0.20% | 0.01% | -0.06% | -0.21% | -0.18% | 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 |