Glasgow, KY · Cert 5855
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.88% | 0.90% | 1.08% | 0.73% | 1.03% | 1.12% | 1.10% | +1 bps | |
| Return on Equity | 5.69% | 12.37% | 11.83% | 13.47% | 9.46% | 13.88% | 14.98% | 14.66% | +119 bps | |
| Net Interest Margin | 2.90% | 3.02% | 3.31% | 3.64% | 3.50% | 3.62% | 3.89% | 3.97% | +33 bps | |
| Efficiency Ratio | 72.79% | 68.99% | 67.70% | 65.94% | 67.01% | 74.05% | 68.65% | 62.21% | -373 bps | |
| Non-Interest Burden | 1.91% | 1.85% | 1.96% | 2.11% | 2.10% | 2.45% | 2.39% | 2.15% | +4 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 | 1.08% | 0.02% | 0.00% | 0.13% | 0.77% | -0.24% | -0.07% | 0.53% | +40 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 |