Hebron, KY · Cert 9305
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.47% | 1.47% | 1.51% | 1.69% | 1.97% | 1.67% | 1.67% | +16 bps | |
| Return on Equity | n/a | n/a | n/a | 12.78% | 16.52% | 23.13% | 19.29% | 18.56% | +578 bps | |
| Net Interest Margin | n/a | n/a | 4.06% | 3.99% | 4.14% | 4.32% | 4.21% | 4.23% | +24 bps | |
| Efficiency Ratio | n/a | n/a | 51.17% | 51.28% | 47.17% | 43.82% | 49.80% | 50.64% | -65 bps | |
| Non-Interest Burden | n/a | n/a | 1.84% | 1.75% | 1.64% | 1.47% | 1.78% | 1.80% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.68% | -2.01% | 1.04% | -0.19% | -1.18% | -3.50% | -6.04% | -6.07% | -587 bps | |
| Loan Growth (YoY) | 14.77% | 9.62% | 13.12% | 9.54% | 4.44% | 0.48% | -5.79% | -12.36% | -2,190 bps | |
| Deposit Growth (YoY) | -2.25% | 4.04% | 3.55% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 0.01% | 0.08% | 0.09% | 0.07% | 0.02% | 0.22% | +15 bps | |
| Allowance / Loans | n/a | n/a | 1.50% | 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 | 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 | 17.23% | 16.92% | 12.05% | 12.34% | 12.62% | 13.10% | -382 bps | |
| Equity / Assets | n/a | n/a | 11.67% | 11.92% | 8.48% | 8.51% | 8.82% | 9.15% | -277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.86% | 87.78% | 91.13% | 91.20% | 89.10% | 87.66% | 87.33% | 81.74% | -946 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 1.39% | 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 | n/a | n/a | n/a |