Shepherdsville, KY · Cert 9674
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Shepherdsville, KY · Cert 9674
FDIC
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 1.61% | 1.64% | 1.61% | 1.57% | 1.75% | 1.81% | 1.76% | +16 bps | |
| Return on Equity | 17.57% | 18.09% | 18.30% | 17.70% | 17.10% | 19.13% | 19.88% | 19.34% | +164 bps | |
| Net Interest Margin | 4.22% | 4.34% | 4.34% | 4.41% | 4.59% | 4.45% | 4.52% | 4.59% | +19 bps | |
| Efficiency Ratio | 45.16% | 44.25% | 43.79% | 43.92% | 41.11% | 40.22% | 39.00% | 37.42% | -650 bps | |
| Non-Interest Burden | 1.60% | 1.60% | 1.57% | 1.60% | 1.56% | 1.45% | 1.41% | 1.37% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.34% | 5.60% | 6.61% | 1.19% | 2.71% | 7.79% | 10.13% | 10.68% | +950 bps | |
| Loan Growth (YoY) | 15.33% | 8.17% | 2.57% | 0.12% | 6.12% | 9.29% | 18.04% | 13.45% | +1,333 bps | |
| Deposit Growth (YoY) | 4.21% | -0.34% | 1.05% | -2.91% | 2.90% | 8.90% | 7.26% | 7.66% | +1,058 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 | 0.17% | 0.16% | 0.16% | 0.21% | 0.13% | 0.17% | 0.27% | 0.61% | +40 bps | |
| Allowance / Loans | 1.07% | 1.14% | 1.19% | 1.25% | 1.33% | 1.34% | 1.24% | 1.27% | +2 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 | 11.67% | 11.97% | 12.15% | 12.04% | 11.63% | 11.79% | 11.21% | 11.98% | -6 bps | |
| Equity / Assets | 8.65% | 9.01% | 9.16% | 9.50% | 8.91% | 9.04% | 8.95% | 9.22% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.91% | 103.80% | 101.99% | 108.29% | 104.07% | 104.17% | 112.23% | 114.12% | +582 bps | |
| Liquid Assets / Assets | 0.43% | 0.41% | 0.25% | 0.24% | 0.57% | 0.39% | 0.80% | 0.89% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |