PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Garrard Bank&Trust Co.

Lancaster, KY · Cert 1880

FDIC

Q2 1997

$47.0MAssets
$28.9MLoans
$41.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.37%, down 30 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 69.53% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.37%-30 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.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.60%1.71%1.63%1.67%1.68%1.65%1.24%1.37%-30 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)0.65%1.93%3.40%5.26%4.97%4.88%4.34%7.06%+180 bps
Loan Growth (YoY)1.07%0.09%2.28%6.62%13.49%12.62%14.45%13.02%+640 bps
Deposit Growth (YoY)-1.55%0.09%3.60%5.59%5.28%5.48%4.74%5.70%+11 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 / Deposits62.43%60.35%59.68%65.03%67.29%64.43%65.21%69.53%+450 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