Louisville, KY · Cert 8778
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 0.15% | 1.15% | 1.24% | 1.20% | 1.27% | 0.30% | 0.64% | -60 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 2.10% | 4.02% | n/a | |
| Net Interest Margin | n/a | n/a | 3.66% | 3.51% | 3.59% | 3.51% | 0.99% | 2.02% | -149 bps | |
| Efficiency Ratio | n/a | n/a | 65.58% | 65.74% | 66.80% | 64.82% | 64.10% | 64.21% | -153 bps | |
| Non-Interest Burden | n/a | n/a | 2.10% | 2.00% | 2.08% | 1.90% | 0.60% | 1.15% | -85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.45% | 1.20% | 7.13% | 8.38% | 12.90% | 16.19% | 13.32% | 8.18% | -20 bps | |
| Loan Growth (YoY) | 2.72% | -0.50% | 4.88% | 8.88% | 8.40% | 11.75% | 5.41% | -2.28% | -1,115 bps | |
| Deposit Growth (YoY) | 4.19% | 2.73% | 4.87% | 7.08% | 9.88% | 16.01% | 5.20% | 9.21% | +213 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 | 0.09% | 0.13% | 0.16% | 0.13% | -0.01% | 0.03% | -10 bps | |
| Allowance / Loans | n/a | n/a | 0.92% | 0.90% | 0.91% | 0.90% | 2.03% | 2.04% | +114 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 | 13.22% | 12.64% | 12.93% | 12.46% | 10.75% | 10.07% | -256 bps | |
| Equity / Assets | n/a | n/a | 9.67% | 9.75% | 10.17% | 9.22% | 18.89% | 19.89% | +1,014 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.61% | 101.82% | 103.48% | 104.25% | 104.19% | 98.08% | 103.68% | 93.28% | -1,096 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |