Pleasure Ridge Park, KY · Cert 34809
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Pleasure Ridge Park, KY · Cert 34809
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 | 0.36% | 0.72% | 0.64% | 0.65% | 0.66% | 0.58% | 0.58% | 0.60% | -5 bps | |
| Return on Equity | 4.17% | 8.71% | 7.74% | 7.91% | 7.97% | 7.34% | 7.41% | 7.69% | -22 bps | |
| Net Interest Margin | 3.58% | 3.70% | 3.81% | 3.81% | 3.71% | 3.17% | 3.37% | 3.25% | -56 bps | |
| Efficiency Ratio | 83.88% | 74.24% | 77.50% | 78.36% | 78.38% | 79.29% | 79.59% | 79.53% | +116 bps | |
| Non-Interest Burden | 2.82% | 2.43% | 2.69% | 2.73% | 2.66% | 2.24% | 2.40% | 2.30% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.79% | 10.00% | 2.23% | 4.76% | 8.90% | 16.37% | 15.48% | 16.60% | +1,184 bps | |
| Loan Growth (YoY) | 34.61% | 28.85% | 14.82% | 10.87% | 17.06% | 4.96% | -3.98% | 7.32% | -354 bps | |
| Deposit Growth (YoY) | 8.04% | 14.10% | 11.57% | 6.75% | 16.27% | 18.75% | 15.76% | 18.13% | +1,137 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 | 0.27% | -0.12% | -0.06% | -0.03% | 0.01% | 0.25% | 0.16% | 0.17% | +20 bps | |
| Allowance / Loans | 1.76% | 1.78% | 1.78% | 1.74% | 1.61% | 1.67% | 1.81% | 1.54% | -20 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 | 13.77% | 13.69% | 13.85% | 13.46% | 13.04% | 13.47% | 13.82% | 12.76% | -70 bps | |
| Equity / Assets | 8.31% | 8.24% | 8.18% | 8.36% | 8.11% | 7.69% | 7.75% | 7.89% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.65% | 78.56% | 77.99% | 79.51% | 81.20% | 69.43% | 64.69% | 72.24% | -727 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 |