PackageTrendsPeer
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Bank Josephine

Prestonsburg, KY · Cert 17508

FDIC

Q1 1999

$107.7MAssets
$39.9MLoans
$89.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.46%, down 12 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 44.39% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

0.46%-12 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets1.19%0.00%0.10%0.58%0.49%0.53%0.60%0.46%-12 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-13.55%-8.85%-10.40%-7.01%-3.21%-2.78%4.27%4.34%+1,135 bps
Loan Growth (YoY)-14.76%-14.25%-21.42%-23.69%-19.42%-16.10%-3.54%-1.65%+2,204 bps
Deposit Growth (YoY)-9.94%-9.77%-12.04%-5.41%-5.05%-4.76%3.34%2.15%+757 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits56.79%53.82%49.89%46.10%48.19%47.41%46.57%44.39%-172 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a