Louisville, KY · Charter 62559
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.29% | -2.23% | -1.27% | -0.62% | -0.69% | -7.70% | -8.47% | -719 bps | |
| Return on Equity | 1.59% | 0.89% | -6.90% | -3.78% | -1.80% | -1.97% | -23.75% | -28.79% | -2,501 bps | |
| Net Interest Margin | 5.04% | 5.05% | 4.89% | 4.82% | 4.80% | 4.80% | 3.93% | 3.94% | -89 bps | |
| Efficiency Ratio | 90.12% | 94.31% | 91.31% | 97.67% | 97.94% | 104.68% | 119.59% | 149.43% | +5,176 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.72% | -2.41% | -4.45% | -8.67% | -8.82% | -8.68% | -7.35% | -7.17% | +150 bps | |
| Loan Growth (YoY) | -21.42% | -23.57% | -23.96% | -21.91% | -17.13% | -14.27% | -21.94% | -21.41% | +50 bps | |
| Share Growth (YoY) | -5.19% | -3.44% | -5.89% | -11.82% | -12.47% | -11.87% | -7.58% | -1.26% | +1,057 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.19% | 6.91% | 1.97% | 13.23% | 14.75% | 18.43% | 13.27% | 9.07% | -416 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 | 1.00% | 0.59% | 0.39% | 0.09% | 1.41% | 1.47% | 0.04% | 6.93% | +684 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.75% | 32.80% | 32.29% | 33.63% | 34.25% | 34.79% | 32.41% | 29.41% | -422 bps | |
| Net Worth / Assets | 31.75% | 32.80% | 32.29% | 33.63% | 34.25% | 34.79% | 32.41% | 29.41% | -422 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.81% | 63.49% | 62.00% | 62.17% | 60.41% | 61.76% | 52.37% | 49.48% | -1,269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |