PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First S NB of Fayette Cnty

Lexington, KY · Cert 12558

FDIC

Q3 1998

$57.2MAssets
$38.4MLoans
$51.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.48%, up 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 75.09% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.48%+13 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.

MetricQ4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets0.85%-0.38%-0.05%0.35%0.34%0.68%0.73%0.48%+13 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)163.84%159.88%119.25%150.63%18.27%25.55%33.55%28.84%-12,178 bps
Loan Growth (YoY)202%205%198.97%159.17%21.97%23.47%23.79%21.32%-13,785 bps
Deposit Growth (YoY)145.63%135.89%110.58%149.99%24.45%32.01%33.63%28.22%-12,177 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 / Deposits86.71%88.61%86.64%79.37%84.99%82.88%80.26%75.09%-427 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