Danville, KY · Cert 34398
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Danville, KY · Cert 34398
FDIC
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.86% | 0.80% | 1.15% | 0.77% | -1.11% | -1.83% | 0.77% | -38 bps | |
| Return on Equity | 8.48% | 11.48% | 10.51% | 15.19% | 9.54% | -13.36% | -21.64% | 8.23% | -697 bps | |
| Net Interest Margin | 3.56% | 3.82% | 3.90% | 4.22% | 3.79% | 3.50% | 3.64% | 3.82% | -40 bps | |
| Efficiency Ratio | 74.78% | 71.71% | 71.33% | 72.34% | 74.29% | 73.41% | 75.13% | 81.82% | +948 bps | |
| Non-Interest Burden | 2.54% | 2.59% | 2.64% | 2.92% | 2.70% | 2.49% | 2.65% | 3.03% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.09% | 6.97% | 14.52% | 15.66% | 41.35% | 41.67% | 23.57% | 2.08% | -1,357 bps | |
| Loan Growth (YoY) | 39.92% | 41.35% | 27.48% | 40.76% | 38.13% | 42.12% | 30.02% | -3.28% | -4,404 bps | |
| Deposit Growth (YoY) | 25.95% | -9.90% | -7.09% | -5.67% | 17.17% | 38.00% | 26.11% | 1.43% | +710 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 | 0.20% | 0.20% | 0.51% | 0.04% | 0.07% | 0.75% | 2.13% | 0.40% | +36 bps | |
| Allowance / Loans | 1.53% | 1.43% | 1.27% | 1.10% | 1.18% | 2.03% | 2.00% | 2.16% | +106 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 | 11.02% | 10.60% | 11.02% | 10.08% | 12.73% | 12.00% | 11.85% | 13.43% | +335 bps | |
| Equity / Assets | 8.10% | 7.99% | 7.81% | 7.37% | 8.84% | 9.00% | 8.87% | 9.89% | +253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.23% | 113.51% | 113.26% | 121.84% | 112.26% | 116.91% | 116.77% | 116.18% | -566 bps | |
| Liquid Assets / Assets | 0.13% | 0.05% | 0.31% | 0.22% | 0.15% | 0.08% | 0.03% | 0.08% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |