New Liberty, KY · Cert 8770
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.61% | 2.21% | 1.15% | 2.17% | 2.21% | 2.16% | 1.22% | 2.29% | +12 bps | |
| Return on Equity | 31.92% | 27.57% | 14.58% | 26.81% | 27.60% | 27.03% | 15.26% | 28.32% | +151 bps | |
| Net Interest Margin | 5.28% | 5.05% | 4.92% | 4.82% | 4.91% | 4.66% | 4.56% | 4.85% | +2 bps | |
| Efficiency Ratio | 53.94% | 58.62% | 77.63% | 59.73% | 58.95% | 59.57% | 75.93% | 56.19% | -354 bps | |
| Non-Interest Burden | 2.62% | 2.78% | 3.70% | 2.66% | 2.67% | 2.53% | 3.35% | 2.53% | -13 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 | 0.05% | 0.00% | 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 |