Owensboro, KY · Charter 16623
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.45% | 1.13% | 0.79% | 0.65% | 0.51% | 0.22% | -1.02% | -181 bps | |
| Return on Equity | 2.58% | 2.45% | 6.07% | 4.28% | 3.53% | 2.84% | 1.21% | -5.52% | -980 bps | |
| Net Interest Margin | 2.45% | 2.41% | 2.25% | 2.13% | 2.06% | 1.94% | 1.65% | 1.90% | -24 bps | |
| Efficiency Ratio | 81.01% | 81.47% | 59.79% | 67.51% | 71.10% | 75.36% | 87.44% | 118.68% | +5,116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.11% | -1.95% | -2.59% | 1.10% | 1.83% | 4.33% | 5.50% | 0.07% | -102 bps | |
| Loan Growth (YoY) | -2.90% | -3.14% | -13.98% | -19.69% | -22.11% | -25.03% | -18.60% | -18.57% | +112 bps | |
| Share Growth (YoY) | -3.09% | -2.92% | -3.95% | 0.54% | 1.51% | 4.66% | 6.38% | 0.10% | -44 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.03% | 0.55% | 1.63% | 3.62% | 4.35% | 5.74% | +519 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 | 0.33% | 0.34% | 0.37% | 0.42% | 0.43% | 0.45% | 0.34% | 1.41% | +99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.20% | 18.36% | 18.65% | 18.49% | 18.46% | 18.12% | 17.97% | 18.42% | -6 bps | |
| Net Worth / Assets | 18.20% | 18.36% | 18.65% | 18.49% | 18.46% | 18.12% | 17.97% | 18.42% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.31% | 60.25% | 54.79% | 48.19% | 46.27% | 43.16% | 41.92% | 39.21% | -899 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |