New Liberty, KY · Cert 8770
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 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.
New Liberty, KY · Cert 8770
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.23% | 2.22% | 1.15% | 1.65% | 1.83% | 1.92% | 1.22% | 1.77% | +12 bps | |
| Return on Equity | 27.91% | 27.97% | 14.58% | 20.67% | 22.99% | 24.07% | 15.26% | 21.73% | +106 bps | |
| Net Interest Margin | 5.28% | 5.15% | 4.92% | 4.86% | 4.89% | 4.70% | 4.56% | 4.72% | -14 bps | |
| Efficiency Ratio | 60.31% | 59.89% | 77.63% | 68.72% | 65.45% | 63.96% | 75.93% | 65.84% | -289 bps | |
| Non-Interest Burden | 3.00% | 2.91% | 3.70% | 3.17% | 3.01% | 2.81% | 3.35% | 2.95% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.81% | -0.10% | 2.71% | -0.37% | 6.05% | -1.94% | 6.05% | 4.59% | +496 bps | |
| Loan Growth (YoY) | 12.99% | 7.26% | -0.65% | -3.26% | 3.96% | 0.57% | 3.09% | 8.68% | +1,194 bps | |
| Deposit Growth (YoY) | -6.14% | -10.18% | 2.51% | 4.36% | 7.00% | 2.75% | 6.32% | 3.10% | -126 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 | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.14% | 1.17% | 1.24% | 1.25% | 1.14% | 1.19% | 1.22% | 1.15% | -10 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 | 12.62% | 12.06% | 12.58% | 12.85% | 12.17% | 12.66% | 12.55% | 12.83% | -2 bps | |
| Equity / Assets | 8.27% | 7.76% | 7.99% | 8.20% | 7.81% | 8.22% | 7.78% | 8.42% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.98% | 105.87% | 95.18% | 95.89% | 104.90% | 103.63% | 92.28% | 101.08% | +519 bps | |
| Liquid Assets / Assets | 0.68% | 0.59% | 0.67% | 0.65% | 0.63% | 0.63% | 0.59% | 0.60% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |