Whitley City, KY · Cert 33961
FDIC
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 1.14% | 0.83% | 1.03% | 1.36% | 1.09% | 0.87% | 1.40%1 | +37 bps | |
| Return on Equity | 7.22% | 10.94% | 8.08% | 9.92% | 12.92% | 10.48% | 8.55% | 13.44% | +351 bps | |
| Net Interest Margin | 4.03% | 4.34% | 4.65% | 4.78% | 4.66% | 4.55% | 4.52% | 4.39% | -38 bps | |
| Efficiency Ratio | 77.75% | 72.11% | 74.45% | 74.05% | 73.82% | 67.68% | 73.68% | 78.02% | +397 bps | |
| Non-Interest Burden | 2.92% | 2.88% | 3.27% | 3.34% | 3.21% | 2.81% | 3.14% | 3.27% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.62% | -6.34% | 0.78% | 2.45% | 8.55% | 9.05% | 3.58% | 2.68% | +23 bps | |
| Loan Growth (YoY) | 3.49% | 7.15% | 7.36% | 4.83% | 2.55% | -5.88% | -3.38% | -2.27% | -710 bps | |
| Deposit Growth (YoY) | 10.96% | 0.55% | 9.36% | 1.41% | 10.27% | 1.67% | -4.67% | 4.42% | +301 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 | 0.15% | 0.14% | 0.36% | -0.03% | 0.08% | 0.10% | 0.15% | 0.02% | +5 bps | |
| Allowance / Loans | 1.32% | 1.26% | 1.22% | 1.31% | 1.30% | 1.36% | 1.34% | 1.40% | +9 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 | 17.19% | 16.92% | 17.25% | 18.15% | 17.38% | 18.64% | 17.79% | 19.08% | +93 bps | |
| Equity / Assets | 10.30% | 10.56% | 10.05% | 10.64% | 10.46% | 10.28% | 10.08% | 10.74% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.80% | 102.73% | 92.34% | 97.04% | 90.95% | 95.09% | 93.59% | 90.82% | -622 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.02% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |