Lexington, KY · Charter 62625
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Lexington, KY · Charter 62625
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | 0.03% | 0.49% | -1.00% | -0.13% | 0.38% | -0.18% | -2.49% | -149 bps | |
| Return on Equity | -2.44% | 0.25% | 3.13% | -6.54% | -0.78% | 2.18% | -1.07% | -13.42% | -688 bps | |
| Net Interest Margin | 4.79% | 5.19% | 5.88% | 3.97% | 5.37% | 5.51% | 5.97% | 5.55% | +158 bps | |
| Efficiency Ratio | 87.11% | 86.61% | 84.67% | 124.78% | 96.03% | 92.19% | 99.40% | 96.94% | -2,784 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.51% | -22.25% | -27.06% | -24.01% | -23.48% | -19.55% | -8.91% | -13.47% | +1,054 bps | |
| Loan Growth (YoY) | 2.58% | -1.77% | -4.83% | -16.87% | -29.04% | -17.34% | 2.28% | -0.52% | +1,634 bps | |
| Share Growth (YoY) | -26.81% | -25.00% | -31.00% | -27.83% | -28.06% | -23.40% | -10.37% | -16.28% | +1,155 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.26% | 9.40% | 6.39% | 6.72% | 5.07% | 14.80% | 12.35% | 21.61% | +1,489 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 | 0.33% | 0.35% | 0.21% | 0.24% | 0.26% | 0.31% | 0.46% | 0.00% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.98% | 13.35% | 15.68% | 15.32% | 16.28% | 17.20% | 16.74% | 18.56% | +323 bps | |
| Net Worth / Assets | 11.98% | 13.35% | 15.68% | 15.32% | 16.28% | 17.20% | 16.74% | 18.56% | +323 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.36% | 84.17% | 92.24% | 82.26% | 79.27% | 90.82% | 105.25% | 97.74% | +1,548 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |