Louisville, KY · Charter 62033
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 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.
Louisville, KY · Charter 62033
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.42% | 0.20% | -1.83% | -0.50% | -1.87% | -2.73% | 1.01% | +284 bps | |
| Return on Equity | 0.74% | 1.34% | 0.60% | -5.57% | -1.50% | -5.71% | -8.02% | 2.84% | +841 bps | |
| Net Interest Margin | 4.59% | 4.92% | 4.90% | 3.78% | 3.87% | 4.57% | 5.15% | 6.09% | +232 bps | |
| Efficiency Ratio | 95.59% | 91.91% | 103.00% | 124.28% | 119.08% | 105.37% | 105.61% | 84.08% | -4,020 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.58% | -15.59% | -20.11% | -18.74% | -13.62% | -9.78% | -9.84% | -12.56% | +618 bps | |
| Loan Growth (YoY) | 1.36% | 7.72% | 1.83% | 3.05% | 3.28% | 0.69% | 0.38% | -12.56% | -1,560 bps | |
| Share Growth (YoY) | -11.91% | -21.49% | -28.27% | -25.88% | -19.23% | -12.30% | -10.39% | -15.50% | +1,038 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.78% | 8.05% | 8.00% | 7.97% | 6.01% | 4.00% | 5.60% | 5.78% | -219 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 | 5.76% | 5.12% | 2.49% | 2.71% | 2.28% | 3.58% | 4.54% | 5.24% | +253 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.75% | 31.02% | 33.08% | 32.80% | 33.11% | 32.84% | 33.97% | 35.61% | +281 bps | |
| Net Worth / Assets | 28.75% | 31.02% | 33.08% | 32.80% | 33.11% | 32.84% | 33.97% | 35.61% | +281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.88% | 67.30% | 71.50% | 73.47% | 76.57% | 77.27% | 80.10% | 76.03% | +256 bps | |
| Liquid Assets / Assets | 58.66% | 54.83% | 31.13% | 43.90% | 0.00% | 0.00% | 0.00% | 0.00% | -4,390 bps | |