Lexington, KY · Cert 33874
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Lexington, KY · Cert 33874
FDIC
Q4 2002
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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.59% | 7.52% | 6.84% | 8.56% | 0.56% | 6.62% | 3.24% | 8.41% | -15 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.67% | 7.89% | 3.93% | 10.09% | n/a | |
| Net Interest Margin | 3.73% | 3.49% | 3.22% | 2.87% | 1.38% | 1.26% | 1.20% | 1.26% | -161 bps | |
| Efficiency Ratio | 95.32% | 92.68% | 92.88% | 91.05% | 99.20% | 92.45% | 96.34% | 91.20% | +16 bps | |
| Non-Interest Burden | -4.17% | -8.99% | -8.04% | -11.04% | 0.20% | -9.20% | -4.21% | -12.38% | -134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.66% | 18.27% | 18.00% | 11.79% | 11.22% | 8.96% | 10.64% | 16.32% | +453 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 111.11% | 57.14% | 900% | -50.00% | n/a | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 115.24% | 103.34% | 104.35% | 109.16% | 105.88% | 109.93% | 107.23% | 121.88% | +1,272 bps | |
| Equity / Assets | 83.27% | 82.32% | 81.40% | 86.62% | 81.87% | 83.16% | 78.85% | 86.47% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |