PackageTrendsPeer
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American Fidelity B&T Co.

Corbin, KY · Cert 18362

FDIC

Q4 1995

$66.2MAssets
$44.3MLoans
$54.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.56%, up 31 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 81.93% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

0.56%+31 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.

MetricQ1 1994Q2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets0.74%0.96%1.00%0.24%1.12%0.35%0.42%0.56%+31 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)n/an/an/an/a-2.98%4.06%7.02%-4.12%n/a
Loan Growth (YoY)n/an/an/an/a-6.01%-0.02%6.54%3.13%n/a
Deposit Growth (YoY)n/an/an/an/a-11.01%-4.43%2.63%-0.51%n/a
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 / Deposits75.55%74.74%77.41%79.03%79.80%78.19%80.36%81.93%+289 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