Covington, IN · Charter 13490
Q4 1999
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.34% | 4.25% | 3.93% | 3.77% | 1.95% | 2.47% | 2.11% | -0.17% | -395 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.51% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 100.36% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.89% | -20.47% | 2.60% | 9.03% | -4.14% | -5.31% | -22.19% | -24.65% | -3,369 bps | |
| Loan Growth (YoY) | -9.30% | -15.41% | -11.65% | -9.37% | -8.96% | -16.77% | -15.06% | -2.41% | +695 bps | |
| Share Growth (YoY) | -24.55% | -22.62% | 2.53% | 9.97% | -3.18% | -3.48% | -21.07% | -24.84% | -3,482 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.70% | 2.20% | 2.20% | 2.99% | 4.19% | 4.01% | 4.21% | 3.12% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.44% | 1.02% | 1.89% | 2.92% | 3.46% | 3.07% | 0.93% | -96 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.46% | 72.41% | 63.13% | 59.79% | 62.50% | 62.43% | 67.94% | 77.63% | +1,784 bps | |
| Liquid Assets / Assets | 23.01% | 14.25% | 26.98% | 33.21% | 30.78% | 29.93% | 26.35% | 13.60% | -1,961 bps | |