Covington, KY · Charter 62491
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.02% | 0.02% | 0.03% | 0.06% | 0.04% | 0.04% | 0.38% | +35 bps | |
| Return on Equity | 0.62% | 0.13% | 0.13% | 0.16% | 0.36% | 0.21% | 0.23% | 2.05% | +190 bps | |
| Net Interest Margin | 2.11% | 2.32% | 1.97% | 1.96% | 1.99% | 2.16% | 2.26% | 3.02% | +105 bps | |
| Efficiency Ratio | 95.04% | 99.10% | 98.96% | 98.69% | 96.98% | 98.36% | 98.29% | 87.42% | -1,127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.82% | 3.44% | 4.70% | 2.45% | 0.95% | 0.32% | -1.99% | -10.22% | -1,267 bps | |
| Loan Growth (YoY) | -8.58% | -2.36% | 1.71% | -7.14% | -8.82% | -7.79% | -16.83% | -11.43% | -429 bps | |
| Share Growth (YoY) | 5.71% | 4.06% | 5.58% | 2.89% | 1.06% | 0.31% | -2.41% | -12.39% | -1,529 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | 10.28% | 10.60% | 9.76% | 10.74% | 11.28% | 11.50% | 11.73% | 12.13% | +139 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.83% | 16.68% | 16.17% | 16.30% | 16.74% | 16.69% | 16.57% | 18.48% | +218 bps | |
| Net Worth / Assets | 16.83% | 16.68% | 16.17% | 16.30% | 16.74% | 16.69% | 16.57% | 18.48% | +218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.30% | 13.73% | 14.37% | 13.18% | 12.90% | 12.62% | 12.24% | 13.33% | +15 bps | |
| Liquid Assets / Assets | 88.54% | 88.96% | 88.34% | 89.36% | 89.64% | 89.88% | 90.16% | 89.55% | +18 bps | |