Albany, KY · Cert 8796
FDIC
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.84% | 0.81% | 0.79% | 0.67% | 0.69% | 0.68% | 0.70% | -9 bps | |
| Return on Equity | 6.62% | 6.62% | 6.32% | 6.20% | 5.33% | 5.47% | 5.43% | 5.60% | -60 bps | |
| Net Interest Margin | 3.82% | 3.83% | 3.79% | 3.76% | 3.44% | 3.41% | 3.43% | 3.45% | -31 bps | |
| Efficiency Ratio | 66.77% | 66.91% | 67.63% | 67.62% | 72.00% | 71.47% | 71.55% | 71.10% | +348 bps | |
| Non-Interest Burden | 2.48% | 2.48% | 2.49% | 2.47% | 2.41% | 2.37% | 2.38% | 2.36% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.87% | 2.58% | -0.25% | 2.62% | 2.36% | 3.24% | 5.42% | 3.22% | +60 bps | |
| Loan Growth (YoY) | 11.72% | 10.90% | 4.87% | 5.20% | 8.08% | 6.01% | 7.79% | 3.80% | -140 bps | |
| Deposit Growth (YoY) | 4.91% | 2.93% | 1.05% | 0.31% | -1.87% | 2.63% | 4.13% | 4.00% | +369 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 | 0.39% | 0.23% | 0.18% | 0.17% | 0.23% | 0.15% | 0.12% | 0.13% | -4 bps | |
| Allowance / Loans | 1.29% | 1.32% | 1.36% | 1.36% | 1.34% | 1.38% | 1.39% | 1.42% | +7 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 | 12.10% | 12.02% | 12.23% | 11.80% | 11.78% | 11.94% | 11.82% | 12.04% | +23 bps | |
| Equity / Assets | 12.75% | 12.59% | 13.04% | 12.57% | 12.62% | 12.51% | 12.56% | 12.52% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.86% | 75.47% | 77.06% | 77.76% | 80.25% | 77.96% | 79.77% | 77.60% | -15 bps | |
| Liquid Assets / Assets | 7.22% | 6.72% | 6.06% | 6.97% | 6.53% | 6.40% | 5.90% | 5.59% | -138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |