La Grange, KY · Cert 33829
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
La Grange, KY · Cert 33829
FDIC
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.37% | 0.38% | 0.38% | 0.33% | 0.31% | 0.29% | 0.28% | -10 bps | |
| Return on Equity | 3.00% | 3.32% | 3.41% | 3.24% | 2.79% | 2.55% | 2.44% | 2.33% | -91 bps | |
| Net Interest Margin | 2.94% | 3.09% | 2.78% | 2.76% | 2.80% | 2.75% | 2.46% | 2.27% | -48 bps | |
| Efficiency Ratio | 89.18% | 88.32% | 88.20% | 89.83% | 90.98% | 91.72% | 91.07% | 90.67% | +84 bps | |
| Non-Interest Burden | 2.53% | 2.61% | 2.34% | 2.37% | 2.45% | 2.43% | 2.15% | 1.97% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.99% | 2.61% | -1.68% | -2.88% | -3.78% | -2.89% | -0.71% | 1.02% | +390 bps | |
| Loan Growth (YoY) | -14.74% | -17.56% | -15.98% | -15.38% | -11.49% | -6.15% | -8.98% | -11.60% | +378 bps | |
| Deposit Growth (YoY) | 7.85% | 1.53% | -3.63% | -5.02% | -4.51% | -1.74% | 0.52% | 1.39% | +640 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 | 1.99% | 1.58% | 1.19% | 0.78% | -1.16% | -0.84% | -0.67% | 0.00% | -78 bps | |
| Allowance / Loans | 1.69% | 1.73% | 1.72% | 1.63% | 2.40% | 2.46% | 2.56% | 2.79% | +116 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 | 23.36% | 24.59% | 24.44% | 25.05% | 25.64% | 26.54% | 27.05% | 28.00% | +295 bps | |
| Equity / Assets | 11.40% | 11.93% | 11.69% | 11.77% | 12.24% | 12.51% | 12.02% | 11.89% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.60% | 42.48% | 41.32% | 39.26% | 40.41% | 40.57% | 37.41% | 34.23% | -503 bps | |
| Liquid Assets / Assets | 0.07% | 0.08% | 0.19% | 0.18% | 0.19% | 0.19% | 0.19% | 0.17% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |