PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

O L B H

Russell, KY · Charter 12723

Q4 1996

$1.7MAssets
$1.5MLoans
$1.4MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 6.62%, down 145 bps year over year.
  • Asset quality: problem loans at 2.04% of loans (+21 bps YoY).
  • Funding: loans stand at 101.56% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

6.62%-145 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets5.14%8.07%6.52%6.32%6.27%6.62%-145 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a18.58%25.38%n/a
Loan Growth (YoY)n/an/an/an/a6.73%14.48%n/a
Share Growth (YoY)n/an/an/an/a15.51%25.67%n/a
Asset Quality
Delinquent Loans / Loans4.85%1.83%2.16%3.57%2.33%2.04%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans2.97%3.06%3.12%2.49%3.06%4.09%+103 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares84.60%111.48%91.94%99.95%78.17%101.56%-992 bps
Liquid Assets / Assets0.57%0.69%0.59%0.87%27.28%10.65%+995 bps