Newport, KY · Charter 62583
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Newport, KY · Charter 62583
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | -1.03% | -0.71% | -0.59% | 0.32% | -1.98% | -1.44% | -1.01% | -42 bps | |
| Return on Equity | -1.89% | -6.00% | -3.66% | -2.72% | 1.50% | -9.15% | -5.79% | -2.96% | -24 bps | |
| Net Interest Margin | 4.15% | 4.90% | 5.17% | 5.54% | 4.08% | 4.22% | 4.67% | 6.35% | +81 bps | |
| Efficiency Ratio | 102.46% | 88.77% | 90.82% | 101.69% | 105.56% | 117.49% | 110.50% | 100.68% | -101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.96% | -19.47% | -12.41% | -22.70% | -27.26% | -24.49% | -25.93% | -38.41% | -1,571 bps | |
| Loan Growth (YoY) | -5.87% | -13.07% | -24.55% | -33.72% | -38.22% | -35.48% | -26.33% | -34.44% | -72 bps | |
| Share Growth (YoY) | -4.63% | -22.77% | -14.36% | -27.05% | -32.03% | -28.59% | -30.82% | -47.98% | -2,093 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.08% | 0.81% | 0.70% | 1.07% | 5.36% | 3.29% | 2.22% | 5.10% | +404 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 | 1.80% | 3.99% | 4.57% | 3.84% | 4.09% | 8.09% | 8.19% | 9.05% | +521 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.95% | 17.12% | 19.26% | 21.65% | 21.43% | 21.69% | 24.87% | 34.06% | +1,241 bps | |
| Net Worth / Assets | 15.95% | 17.12% | 19.26% | 21.65% | 21.43% | 21.69% | 24.87% | 34.06% | +1,241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.72% | 36.54% | 36.55% | 38.53% | 32.47% | 33.02% | 38.92% | 48.56% | +1,003 bps | |
| Liquid Assets / Assets | 68.33% | 68.02% | 69.29% | 68.54% | 70.18% | 50.63% | 44.43% | 67.99% | -55 bps | |