Hebron, KY · Cert 9305
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 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.
Hebron, KY · Cert 9305
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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.56% | 1.66% | 1.67% | 1.67% | +17 bps | |
| Return on Equity | n/a | n/a | n/a | 19.29% | 18.89% | n/a | |
| Net Interest Margin | 4.04% | 4.10% | 4.20% | 4.21% | 4.26% | +22 bps | |
| Efficiency Ratio | 51.23% | 49.85% | 48.26% | 49.80% | 50.22% | -101 bps | |
| Non-Interest Burden | 1.80% | 1.76% | 1.70% | 1.78% | 1.81% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.19% | -1.18% | -3.50% | -6.04% | -6.07% | -587 bps | |
| Loan Growth (YoY) | 9.54% | 4.44% | 0.48% | -5.79% | -12.36% | -2,190 bps | |
| Deposit Growth (YoY) | 4.49% | 6.51% | 0.62% | -1.69% | -2.22% | -671 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.06% | 0.06% | 0.02% | 0.12% | +7 bps | |
| Allowance / Loans | 1.51% | 1.52% | 1.52% | 1.57% | 1.65% | +14 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 16.92% | 12.05% | 12.34% | 12.62% | 13.10% | -382 bps | |
| Equity / Assets | 11.92% | 8.48% | 8.51% | 8.82% | 9.15% | -277 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.20% | 89.10% | 87.66% | 87.33% | 81.74% | -946 bps | |
| Liquid Assets / Assets | 1.43% | 1.36% | 1.01% | 1.04% | 0.95% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |