Pikeville, KY · Cert 34113
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.86% | 1.80% | 1.69% | 1.75% | 1.89% | 1.84% | 1.92% | 1.61% | -14 bps | |
| Return on Equity | 15.33% | 14.78% | 13.66% | 13.88% | 14.65% | 14.10% | 13.93% | 11.49% | -238 bps | |
| Net Interest Margin | 4.62% | 4.72% | 4.88% | 4.88% | 5.12% | 5.07% | 5.02% | 5.05% | +17 bps | |
| Efficiency Ratio | 46.35% | 48.30% | 47.23% | 46.28% | 45.06% | 47.21% | 49.39% | 53.42% | +714 bps | |
| Non-Interest Burden | 1.84% | 1.99% | 2.04% | 1.98% | 2.01% | 2.11% | 2.20% | 2.69% | +71 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 | 0.09% | 0.08% | 1.37% | 0.66% | 0.44% | 0.33% | -0.04% | 0.00% | -67 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 |