Danville, KY · Charter 9432
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Danville, KY · Charter 9432
Q3 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -0.34% | 0.73% | 0.28% | 0.12% | 2.76% | 0.79% | 0.87% | +60 bps | |
| Return on Equity | -1.38% | -1.14% | 2.39% | 0.92% | 0.39% | 9.14% | 2.65% | 2.82% | +190 bps | |
| Net Interest Margin | 3.31% | 3.15% | 3.82% | 3.72% | 3.49% | 4.25% | 3.78% | 3.70% | -2 bps | |
| Efficiency Ratio | 112.80% | 110.80% | 82.15% | 85.34% | 91.38% | 35.69% | 79.32% | 78.53% | -681 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.36% | 9.92% | 6.18% | 5.59% | 5.71% | 2.75% | 2.97% | -0.64% | -623 bps | |
| Loan Growth (YoY) | 12.96% | 10.71% | -7.75% | -13.91% | -8.89% | -9.94% | -9.93% | 0.96% | +1,487 bps | |
| Share Growth (YoY) | 2.59% | 15.66% | 8.88% | 8.09% | 8.17% | 3.53% | 4.21% | -1.65% | -974 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.36% | 1.16% | 1.41% | 2.47% | 1.35% | 0.00% | 0.11% | 0.07% | -239 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.78% | 0.33% | 0.00% | 0.00% | 0.05% | 0.07% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.79% | 30.23% | 30.67% | 30.26% | 30.45% | 30.15% | 29.99% | 30.96% | +70 bps | |
| Net Worth / Assets | 31.79% | 30.23% | 30.67% | 30.26% | 30.45% | 30.15% | 29.99% | 30.96% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.47% | 82.20% | 79.74% | 74.97% | 78.73% | 71.51% | 68.92% | 76.96% | +199 bps | |
| Liquid Assets / Assets | 36.02% | 42.45% | 30.38% | 33.75% | 44.17% | 48.97% | 50.71% | 45.77% | +1,202 bps | |