Falmouth, KY · Cert 33707
FDIC
Q3 2011
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.32% | 0.12% | 3.65% | 1.50% | +130 bps | |
| Return on Equity | 1.88% | 2.93% | 1.40% | 41.54% | 17.11% | +1,523 bps | |
| Net Interest Margin | 3.25% | 3.17% | 2.95% | 3.11% | 3.11% | -13 bps | |
| Efficiency Ratio | 86.20% | 83.29% | 96.86% | 47.21% | 72.79% | -1,341 bps | |
| Non-Interest Burden | 2.75% | 2.58% | 2.84% | -0.64% | 1.58% | -118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.80% | -0.63% | -5.34% | -4.67% | -14.20% | -1,601 bps | |
| Loan Growth (YoY) | 0.03% | 1.58% | -3.70% | -10.63% | -11.69% | -1,173 bps | |
| Deposit Growth (YoY) | 2.89% | -0.99% | -1.17% | -2.13% | -11.87% | -1,475 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.15% | -0.05% | 1.01% | 0.20% | -6 bps | |
| Allowance / Loans | 2.33% | 2.44% | 2.67% | 2.29% | 2.62% | +29 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 18.95% | 19.04% | 12.49% | 16.13% | 15.31% | -364 bps | |
| Equity / Assets | 10.99% | 11.01% | 6.63% | 8.61% | 8.71% | -228 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.58% | 61.70% | 56.60% | 56.19% | 62.70% | +12 bps | |
| Liquid Assets / Assets | 27.33% | 27.41% | 26.10% | 26.59% | 29.45% | +212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |