PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Marshall County

Benton, KY · Cert 11780

FDIC

Q4 1998

$158.7MAssets
$103.9MLoans
$133.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.38%, up 16 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 77.73% of deposits as of Q4 1998.

Return on Assets (YTD, annualized)

1.38%+16 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.10%1.15%1.16%1.22%1.29%1.32%1.26%1.38%+16 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)1.79%3.22%7.23%6.15%7.83%5.25%-7.27%-4.72%-1,087 bps
Loan Growth (YoY)10.98%10.94%7.27%-0.04%-0.32%0.19%-3.54%-3.45%-341 bps
Deposit Growth (YoY)4.88%6.23%0.61%3.10%1.89%-0.32%-0.29%-0.74%-384 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits80.89%81.03%85.14%79.92%79.14%81.45%82.36%77.73%-219 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a