Louisville, KY · Charter 61103
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
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 | 0.77% | 3.40% | 2.11% | 1.80% | 0.43% | -4.87% | -1.77% | -0.01% | -181 bps | |
| Return on Equity | 2.27% | 9.85% | 5.81% | 4.91% | 1.15% | -13.45% | -4.65% | -0.03% | -494 bps | |
| Net Interest Margin | 5.81% | 5.95% | 6.42% | 6.49% | 6.89% | 6.68% | 6.86% | 7.46% | +97 bps | |
| Efficiency Ratio | 82.66% | 78.63% | 74.01% | 74.31% | 74.63% | 87.74% | 83.16% | 74.38% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.51% | -1.27% | -6.54% | -6.62% | -7.55% | -8.91% | -8.53% | -9.28% | -266 bps | |
| Loan Growth (YoY) | 2.90% | 5.25% | 4.27% | 4.54% | 4.24% | -2.72% | -13.63% | -23.48% | -2,802 bps | |
| Share Growth (YoY) | -6.40% | -4.81% | -12.27% | -12.61% | -11.91% | -11.26% | -10.99% | -13.09% | -48 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.58% | 0.24% | 2.29% | 3.14% | 2.20% | 2.60% | 7.65% | 7.48% | +434 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.13% | 0.39% | 0.48% | 1.27% | 2.17% | 2.56% | 2.08% | +161 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.14% | 34.56% | 36.36% | 36.61% | 37.36% | 36.22% | 38.16% | 39.31% | +270 bps | |
| Net Worth / Assets | 34.14% | 34.56% | 36.36% | 36.61% | 37.36% | 36.22% | 38.16% | 39.31% | +270 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.87% | 113.40% | 123.77% | 123.57% | 134.75% | 124.32% | 120.10% | 108.79% | -1,477 bps | |
| Liquid Assets / Assets | 15.91% | 15.94% | 11.20% | 12.18% | 5.83% | 12.11% | 0.00% | 0.00% | -1,218 bps | |