Louisville, KY · Charter 61204
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Louisville, KY · Charter 61204
Q3 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.04% | -0.32% | -0.70% | -0.45% | -0.37% | -0.07% | 0.07% | 0.18% | +63 bps | |
| Return on Equity | -5.96% | -2.12% | -4.53% | -2.94% | -2.25% | -0.44% | 0.39% | 1.06% | +400 bps | |
| Net Interest Margin | 2.16% | 1.71% | 1.85% | 1.82% | 1.99% | 1.87% | 1.91% | 1.95% | +13 bps | |
| Efficiency Ratio | 127.73% | 114.15% | 109.52% | 106.98% | 105.73% | 107.33% | 111.54% | 101.86% | -512 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.59% | 4.77% | 4.44% | 7.81% | 2.56% | -3.18% | -7.94% | -10.79% | -1,860 bps | |
| Loan Growth (YoY) | -2.17% | -5.43% | 4.19% | 6.73% | 7.36% | 18.54% | 1.34% | -10.09% | -1,682 bps | |
| Share Growth (YoY) | -0.65% | 6.29% | 5.95% | 9.78% | 3.70% | -3.29% | -9.33% | -12.78% | -2,256 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.92% | 2.85% | 0.25% | 0.24% | 0.73% | 0.66% | 0.87% | 1.00% | +75 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 | 0.73% | 0.61% | 0.92% | 0.71% | 0.72% | 0.59% | 0.09% | 0.12% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.42% | 14.98% | 15.49% | 15.21% | 16.61% | 15.19% | 16.86% | 17.18% | +197 bps | |
| Net Worth / Assets | 17.42% | 14.98% | 15.49% | 15.21% | 16.61% | 15.19% | 16.86% | 17.18% | +197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.49% | 24.05% | 28.80% | 28.97% | 31.56% | 29.48% | 32.19% | 29.87% | +90 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |