Falmouth, KY · Cert 33707
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.36% | 0.17% | 0.14% | 0.30% | 0.67% | 0.12% | 7.30% | -3.18% | -348 bps | |
| Return on Equity | -29.90% | 1.64% | 1.26% | 2.75% | 6.05% | 1.40% | 95.96% | -36.68% | -3,943 bps | |
| Net Interest Margin | 3.16% | 3.32% | 3.23% | 3.15% | 3.22% | 2.95% | 3.06% | 2.94% | -22 bps | |
| Efficiency Ratio | 115.77% | 80.78% | 94.49% | 83.12% | 75.09% | 96.86% | 29.92% | 235% | +15,149 bps | |
| Non-Interest Burden | 3.75% | 2.60% | 3.02% | 2.61% | 2.29% | 2.84% | -4.34% | 6.05% | +344 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.51% | -0.64% | 2.65% | 1.80% | -0.63% | -5.34% | -4.67% | -14.20% | -1,601 bps | |
| Loan Growth (YoY) | -0.62% | -0.37% | 1.41% | 0.03% | 1.58% | -3.70% | -10.63% | -11.69% | -1,173 bps | |
| Deposit Growth (YoY) | -4.24% | 0.08% | 3.98% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.81% | -0.03% | 0.85% | -0.02% | -0.20% | -0.05% | 2.08% | -1.40% | -137 bps | |
| Allowance / Loans | 2.28% | 2.53% | 2.31% | 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 | 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 | 18.12% | 18.82% | 18.94% | 18.95% | 19.04% | 12.49% | 16.13% | 15.31% | -364 bps | |
| Equity / Assets | 10.63% | 10.61% | 10.93% | 10.99% | 11.01% | 6.63% | 8.61% | 8.71% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.13% | 58.08% | 61.54% | 62.58% | 61.70% | 56.60% | 56.19% | 62.70% | +12 bps | |
| Liquid Assets / Assets | 26.63% | 26.48% | 27.19% | 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 | n/a | n/a | n/a |