Covington, KY · Charter 62470
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Covington, KY · Charter 62470
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 2.44% | 1.81% | 0.21% | 0.01% | 0.50% | -5.09% | -597% | -59,757 bps | |
| Return on Equity | n/a | n/a | 6.02% | 0.66% | 0.02% | 1.69% | -5.10% | -597% | -59,802 bps | |
| Net Interest Margin | 4.09% | 6.62% | 6.16% | 3.67% | 2.59% | 2.43% | 28.00% | -554% | -55,789 bps | |
| Efficiency Ratio | 85.89% | 63.22% | 70.65% | 94.34% | 99.74% | 81.43% | 118.18% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -26.30% | -37.27% | -38.50% | -38.35% | -28.54% | -10.96% | -94.93% | -95.39% | -5,704 bps | |
| Loan Growth (YoY) | -44.13% | -50.13% | -64.26% | -78.87% | -82.88% | -95.49% | -95.94% | -95.79% | -1,692 bps | |
| Share Growth (YoY) | -30.05% | -44.23% | -47.01% | -47.24% | -36.44% | -13.20% | -99.99% | -100.00% | -5,276 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.33% | 3.37% | 4.56% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 5.83% | 0.31% | 6.66% | 4.97% | 9.41% | 0.00% | 0.00% | 0.00% | -497 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 30.02% | 31.28% | 31.27% | 29.67% | 99.90% | 100.00% | +6,872 bps | |
| Net Worth / Assets | n/a | n/a | 30.02% | 31.28% | 31.27% | 29.67% | 99.90% | 100.00% | +6,872 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.41% | 60.34% | 53.68% | 28.16% | 14.93% | 3.13% | 29960% | n/a | n/a | |
| Liquid Assets / Assets | 56.87% | 50.47% | 62.18% | 79.29% | 88.84% | 96.25% | 56.88% | 67.46% | -1,184 bps | |