London, KY · Cert 34190
FDIC
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.59% | 0.68% | 0.75% | 0.79% | 0.87% | 0.76% | 0.72% | -3 bps | |
| Return on Equity | 11.36% | 8.13% | 9.35% | 10.14% | 10.44% | 10.48% | 8.98% | 8.52% | -162 bps | |
| Net Interest Margin | 3.06% | 2.96% | 3.04% | 3.03% | 3.02% | 3.04% | 3.08% | 3.07% | +5 bps | |
| Efficiency Ratio | 65.31% | 73.09% | 70.08% | 68.13% | 66.88% | 63.36% | 68.21% | 70.13% | +200 bps | |
| Non-Interest Burden | 1.71% | 1.92% | 1.87% | 1.78% | 1.73% | 1.62% | 1.83% | 1.89% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.50% | 17.17% | 10.85% | 6.97% | 5.25% | 7.52% | 7.03% | 15.21% | +824 bps | |
| Loan Growth (YoY) | 30.68% | 18.85% | 21.68% | 15.85% | 9.23% | 18.24% | 7.50% | 20.90% | +506 bps | |
| Deposit Growth (YoY) | 22.82% | 19.84% | 12.86% | 6.43% | 6.11% | 5.56% | 9.01% | 10.14% | +371 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% | 0.54% | 0.40% | 0.27% | 0.25% | 0.17% | 0.20% | 0.21% | -6 bps | |
| Allowance / Loans | 1.32% | 1.29% | 1.15% | 1.18% | 1.14% | 1.08% | 1.08% | 0.93% | -25 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 | 14.33% | 14.56% | 14.14% | 14.38% | 14.22% | 15.42% | 15.05% | 13.56% | -82 bps | |
| Equity / Assets | 7.42% | 7.21% | 7.28% | 7.83% | 7.88% | 8.62% | 8.77% | 8.54% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.66% | 62.17% | 70.78% | 69.45% | 69.65% | 69.64% | 69.81% | 76.24% | +679 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.02% | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% | 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 |