Glasgow, KY · Cert 5855
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 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.
Glasgow, KY · Cert 5855
FDIC
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.88% | 0.89% | 0.95% | 0.89% | 1.03% | 1.07% | 1.08% | +13 bps | |
| Return on Equity | 7.68% | 12.37% | 12.10% | 12.55% | 11.89% | 13.88% | 14.51% | 14.48% | +194 bps | |
| Net Interest Margin | 2.87% | 3.02% | 3.22% | 3.46% | 3.44% | 3.62% | 3.75% | 3.82% | +36 bps | |
| Efficiency Ratio | 70.61% | 68.99% | 68.33% | 67.50% | 67.38% | 74.05% | 71.25% | 68.15% | +65 bps | |
| Non-Interest Burden | 1.76% | 1.85% | 1.94% | 2.05% | 2.05% | 2.45% | 2.42% | 2.32% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.96% | 8.05% | 2.68% | -6.66% | -7.82% | -7.09% | 1.45% | 2.43% | +909 bps | |
| Loan Growth (YoY) | 2.24% | 2.52% | 0.13% | -0.14% | -0.07% | -1.66% | 2.02% | -0.69% | -55 bps | |
| Deposit Growth (YoY) | 14.44% | 9.04% | 2.63% | -7.76% | -6.76% | -7.66% | 2.32% | 3.32% | +1,108 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 | 0.71% | 0.02% | 0.01% | 0.05% | 0.23% | -0.24% | -0.15% | 0.07% | +2 bps | |
| Allowance / Loans | 1.46% | 1.46% | 1.54% | 1.50% | 1.46% | 1.45% | 1.40% | 1.37% | -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 | 11.80% | 12.36% | 12.44% | 13.32% | 12.12% | 12.75% | 11.98% | 12.53% | -79 bps | |
| Equity / Assets | 6.90% | 7.35% | 7.84% | 8.28% | 7.19% | 7.73% | 7.24% | 7.77% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.25% | 68.29% | 73.07% | 75.36% | 71.00% | 72.72% | 72.86% | 72.44% | -292 bps | |
| Liquid Assets / Assets | 1.79% | 1.44% | 1.59% | 1.58% | 1.37% | 1.28% | 1.02% | 1.00% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |