Pikeville, KY · Cert 34113
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.81% | 1.61% | 1.69% | 1.79% | 2.18% | 1.70% | 1.92% | 1.29% | -50 bps | |
| Return on Equity | 14.93% | 13.03% | 13.66% | 14.08% | 16.21% | 12.39% | 13.93% | 9.09% | -499 bps | |
| Net Interest Margin | 4.77% | 4.84% | 4.88% | 4.92% | 5.45% | 5.10% | 5.02% | 5.04% | +12 bps | |
| Efficiency Ratio | 45.07% | 53.99% | 47.23% | 45.36% | 42.83% | 53.62% | 49.39% | 58.44% | +1,308 bps | |
| Non-Interest Burden | 1.88% | 2.37% | 2.04% | 1.94% | 2.01% | 2.49% | 2.20% | 3.17% | +123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.33% | 10.76% | 6.93% | 0.94% | -1.32% | 2.16% | -0.28% | -0.17% | -111 bps | |
| Loan Growth (YoY) | 2.44% | 8.29% | 6.47% | 4.23% | 9.18% | 5.32% | 8.10% | 5.97% | +174 bps | |
| Deposit Growth (YoY) | 4.03% | 9.00% | 4.87% | -3.51% | -7.76% | -4.05% | -5.56% | -2.04% | +147 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 | 0.22% | 0.07% | 1.37% | -0.01% | 0.02% | 0.03% | -0.04% | 0.03% | +4 bps | |
| Allowance / Loans | 1.30% | 1.25% | 1.04% | 1.13% | 1.14% | 1.16% | 1.15% | 1.14% | +1 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 | 19.34% | 18.89% | 19.23% | 19.78% | 20.60% | 20.20% | 20.49% | 21.36% | +158 bps | |
| Equity / Assets | 12.31% | 12.35% | 12.46% | 12.96% | 13.92% | 13.53% | 14.04% | 14.42% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.34% | 84.81% | 81.93% | 88.28% | 95.09% | 93.10% | 93.78% | 95.50% | +722 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 0.02% | 0.02% | 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 |