Tompkinsville, KY · Cert 8134
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 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.
Tompkinsville, KY · Cert 8134
FDIC
Q1 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.23% | 2.31% | 2.27% | 2.42% | 2.12% | 1.73% | 1.80% | 2.32% | -10 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 19.54% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.94% | 3.84% | 3.72% | 3.74% | 4.16% | +22 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 46.24% | 49.52% | 51.95% | 52.62% | 51.09% | +485 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.37% | 1.53% | 1.56% | 1.63% | 1.85% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.21% | 1.50% | 2.71% | 4.08% | 4.88% | 10.48% | 9.70% | 7.84% | +376 bps | |
| Loan Growth (YoY) | 11.80% | 12.30% | 9.17% | 12.67% | 13.58% | 11.84% | 16.86% | 8.83% | -384 bps | |
| Deposit Growth (YoY) | 6.33% | 0.06% | 1.50% | 0.82% | 2.69% | 10.28% | 9.38% | 8.76% | +794 bps | |
| Asset Quality | ||||||||||
| Nonperforming 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 | 0.22% | 0.06% | 0.26% | 0.21% | 0.00% | -22 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.03% | 1.15% | 1.31% | 1.26% | 1.28% | +25 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | 20.58% | 20.29% | 19.51% | 19.43% | 20.06% | -52 bps | |
| Equity / Assets | n/a | n/a | n/a | 12.22% | 11.98% | 11.90% | 11.87% | 11.88% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.60% | 80.86% | 76.97% | 77.61% | 79.20% | 82.01% | 82.22% | 77.65% | +4 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 22.22% | 25.25% | 23.11% | 22.70% | 24.80% | +258 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |