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Bank of Cumberland

Burkesville, KY · Cert 1878

FDIC

Q1 1999

$58.1MAssets
$26.4MLoans
$46.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.37%, down 99 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 56.79% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

0.37%-99 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 Assets1.45%1.47%1.38%1.36%1.32%1.36%1.28%0.37%-99 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)2.88%1.41%5.52%7.30%5.86%7.56%9.38%16.57%+927 bps
Loan Growth (YoY)0.65%0.00%-0.36%-3.04%-0.71%-4.62%-8.23%-11.52%-848 bps
Deposit Growth (YoY)3.84%-1.16%5.11%8.46%7.41%9.78%10.30%4.71%-375 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 / Deposits74.69%73.75%71.70%67.20%69.04%64.07%59.66%56.79%-1,042 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