Nicholasville, KY · Cert 34195
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.53% | 0.38% | 0.56% | 0.13% | 0.52% | 0.76% | -0.75% | -131 bps | |
| Return on Equity | 5.15% | 3.06% | 2.26% | 3.41% | 0.86% | 3.70% | 5.26% | -5.30% | -871 bps | |
| Net Interest Margin | -6.66% | 3.18% | 3.20% | 3.40% | 2.98% | 2.98% | 3.04% | 2.99% | -41 bps | |
| Efficiency Ratio | 71.01% | 68.37% | 65.76% | 64.56% | 67.70% | 62.66% | 60.07% | 61.75% | -281 bps | |
| Non-Interest Burden | -7.73% | 2.47% | 2.33% | 2.43% | 2.27% | 1.95% | 1.92% | 1.92% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.60% | 12.17% | 18.27% | 19.47% | 26.55% | 24.09% | 15.52% | 17.15% | -232 bps | |
| Loan Growth (YoY) | -3.73% | -5.46% | 2.66% | 4.61% | 4.40% | 6.19% | 5.91% | 4.14% | -47 bps | |
| Deposit Growth (YoY) | 1.86% | 0.90% | 7.53% | 4.26% | 8.38% | 4.43% | -4.48% | 2.72% | -154 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 | -1.33% | 0.00% | 0.35% | 0.24% | 0.46% | 0.12% | 0.02% | 0.32% | +8 bps | |
| Allowance / Loans | 1.02% | 1.01% | 1.00% | 0.97% | 1.06% | 1.15% | 1.17% | 1.10% | +13 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 | 10.53% | 10.94% | 10.51% | 10.51% | 10.62% | 10.96% | 11.08% | 10.78% | +27 bps | |
| Equity / Assets | 17.44% | 17.23% | 16.47% | 16.16% | 13.92% | 14.33% | 14.52% | 13.76% | -240 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.48% | 86.30% | 85.35% | 87.03% | 86.19% | 87.75% | 94.63% | 88.24% | +120 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 |