Ashland, KY · Cert 34561
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Ashland, KY · Cert 34561
FDIC
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.38% | -2.51% | -4.66% | -2.61% | -2.33% | -1.70% | -1.99% | -0.30% | +232 bps | |
| Return on Equity | -17.50% | -32.39% | -64.04% | -58.94% | -54.03% | -40.25% | -44.53% | -5.36% | +5,359 bps | |
| Net Interest Margin | 3.81% | 4.04% | 4.14% | 3.53% | 3.50% | 3.81% | 3.79% | 3.77% | +23 bps | |
| Efficiency Ratio | 97.22% | 106.03% | 113.37% | 113.79% | 112.06% | 110.61% | 114.96% | 102.74% | -1,105 bps | |
| Non-Interest Burden | 3.68% | 4.33% | 4.81% | 4.15% | 4.04% | 4.32% | 4.50% | 3.89% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.72% | -23.69% | -25.76% | -26.68% | -24.88% | -20.75% | -12.54% | -10.55% | +1,613 bps | |
| Loan Growth (YoY) | -14.44% | -24.44% | -26.27% | -26.95% | -27.90% | -24.40% | -19.00% | -13.68% | +1,327 bps | |
| Deposit Growth (YoY) | -18.46% | -21.66% | -24.01% | -22.69% | -17.17% | -13.75% | -10.92% | -12.74% | +995 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 | 3.24% | 3.94% | 5.48% | 2.71% | 3.87% | 3.00% | 3.29% | 0.25% | -246 bps | |
| Allowance / Loans | 3.37% | 4.85% | 4.14% | 4.46% | 4.19% | 4.17% | 3.85% | 3.87% | -59 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 | 11.27% | 9.14% | 8.04% | 7.65% | 7.32% | 7.48% | 9.97% | 9.88% | +223 bps | |
| Equity / Assets | 7.80% | 7.33% | 4.81% | 4.04% | 4.04% | 3.98% | 5.54% | 5.47% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.92% | 89.64% | 86.90% | 79.23% | 80.02% | 78.57% | 79.01% | 78.37% | -86 bps | |
| Liquid Assets / Assets | 0.43% | 3.02% | 2.28% | 1.83% | 2.23% | 2.98% | 4.50% | 3.47% | +163 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |