Louisville, KY · Charter 62089
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 62089
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.65% | -2.75% | -3.28% | -3.75% | -4.04% | -11.84% | -23.80% | -136166800% | -13,616,679,625 bps | |
| Return on Equity | -6.11% | -6.35% | -7.65% | -8.76% | -9.55% | -28.46% | -64.22% | -136166800% | -13,616,679,124 bps | |
| Net Interest Margin | 3.21% | 1.94% | 1.76% | 1.53% | 1.26% | 0.28% | 0.23% | -100421467% | -10,042,146,819 bps | |
| Efficiency Ratio | 176.83% | 223% | 271% | 328% | 386% | 140.22% | 631% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.02% | -20.51% | -14.65% | -14.02% | -8.35% | -9.93% | -16.97% | -100.00% | -8,598 bps | |
| Loan Growth (YoY) | -63.48% | -72.83% | -76.86% | -78.76% | -79.72% | -100.00% | -100.00% | -100.00% | -2,124 bps | |
| Share Growth (YoY) | -28.47% | -27.70% | -17.80% | -16.13% | -6.53% | -7.20% | -8.39% | -100.00% | -8,387 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 19.31% | 10.15% | 18.65% | 20.02% | 35.91% | n/a | n/a | n/a | n/a | |
| 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 | 2.42% | 1.98% | 1.24% | 1.91% | 0.00% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 43.44% | 43.29% | 42.89% | 42.85% | 42.36% | 41.61% | 37.05% | 100.00% | +5,715 bps | |
| Net Worth / Assets | 43.44% | 43.29% | 42.89% | 42.85% | 42.36% | 41.61% | 37.05% | 100.00% | +5,715 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.28% | 23.67% | 15.44% | 11.54% | 7.66% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |