Ashland, KY · Charter 16055
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.48% | 3.58% | 4.31% | 4.43% | 3.65% | 2.11% | 5.06% | 3.51% | -92 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 7.28% | -2.06% | -18.14% | -29.78% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 6.56% | 18.82% | 23.18% | -9.90% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 1.39% | -10.76% | -27.42% | -37.80% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.65% | 0.62% | +62 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 | 1.30% | 1.18% | 1.25% | 1.23% | 1.22% | 0.99% | 1.01% | 1.36% | +13 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 | 30.70% | 32.71% | 30.26% | 29.28% | 32.27% | 43.56% | 51.36% | 42.41% | +1,313 bps | |
| Liquid Assets / Assets | 57.17% | 0.00% | 0.22% | 49.93% | 53.29% | 0.00% | 46.06% | 6.77% | -4,316 bps | |