Louisville, KY · Charter 16877
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.99% | 2.92% | 2.73% | 2.77% | 2.42% | -0.19% | -0.82% | 0.28% | -249 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 | 4.35% | 3.62% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 100.06% | 92.39% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.16% | 2.16% | -0.71% | -2.84% | -4.93% | -9.29% | -3.34% | 25.00% | +2,784 bps | |
| Loan Growth (YoY) | -26.31% | -15.74% | -16.25% | -26.23% | -2.29% | -20.94% | -21.02% | -19.90% | +633 bps | |
| Share Growth (YoY) | -3.69% | -1.49% | -7.34% | -7.36% | -7.83% | -11.62% | -2.45% | 33.91% | +4,127 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.57% | 18.90% | 14.10% | 16.98% | 15.36% | 27.41% | 26.09% | 29.13% | +1,215 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 | 15.91% | 14.19% | 11.60% | 14.41% | 11.96% | 16.16% | 16.31% | 19.98% | +557 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 | 41.20% | 44.07% | 46.17% | 38.83% | 43.68% | 39.42% | 37.38% | 23.23% | -1,561 bps | |
| Liquid Assets / Assets | 60.67% | 60.74% | 57.73% | 61.62% | 63.98% | 66.94% | 66.30% | 30.42% | -3,120 bps | |