Covington, KY · Cert 9667
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.30% | 2.09% | 2.02% | 1.96% | 1.53% | 1.31% | -0.81% | 1.35% | -61 bps | |
| Return on Equity | 30.62% | 28.96% | 26.69% | 25.79% | 20.72% | 17.16% | -10.14% | 17.19% | -860 bps | |
| Net Interest Margin | 3.88% | 3.77% | 3.94% | 3.63% | 3.20% | 2.91% | 3.11% | 3.05% | -58 bps | |
| Efficiency Ratio | 46.52% | 50.43% | 41.72% | 48.27% | 58.25% | 61.32% | 52.94% | 51.68% | +340 bps | |
| Non-Interest Burden | 0.60% | 0.87% | 0.35% | 0.54% | 0.94% | 0.91% | 0.44% | 0.33% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.29% | 2.15% | 3.30% | 11.27% | 14.73% | 13.96% | 9.93% | 10.97% | -31 bps | |
| Loan Growth (YoY) | 4.79% | -9.20% | -2.07% | 0.78% | -0.44% | 18.10% | 13.78% | 11.45% | +1,067 bps | |
| Deposit Growth (YoY) | 2.63% | 4.28% | 7.77% | 18.53% | 21.89% | 15.22% | 12.23% | 2.78% | -1,575 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 | 0.36% | 0.28% | 0.17% | 0.23% | 0.17% | 0.30% | 0.36% | 0.63% | +40 bps | |
| Allowance / Loans | 1.42% | 1.48% | 1.48% | 1.48% | 1.48% | 1.48% | 3.01% | 3.14% | +165 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 | 11.04% | 11.40% | 11.66% | 11.39% | 10.74% | 11.08% | 11.90% | 12.00% | +62 bps | |
| Equity / Assets | 7.05% | 7.37% | 7.72% | 7.50% | 7.31% | 7.94% | 7.99% | 7.71% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.37% | 61.82% | 67.25% | 62.93% | 58.30% | 63.37% | 68.18% | 68.24% | +531 bps | |
| Liquid Assets / Assets | 0.97% | 0.71% | 0.68% | 0.62% | 0.58% | 0.57% | 0.48% | 0.43% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |