PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Ashland Inc.

Ashland, KY · Cert 19588

FDIC

Q1 1999

$167.7MAssets
$99.6MLoans
$141.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.71%, up 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.31% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

1.71%+6 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 Assets1.81%1.80%1.78%1.65%1.76%1.77%1.77%1.71%+6 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)1.21%3.87%0.45%4.41%3.95%1.97%3.56%2.85%-156 bps
Loan Growth (YoY)4.83%2.72%0.13%-0.33%2.59%0.03%1.85%-0.96%-63 bps
Deposit Growth (YoY)3.89%2.50%-1.05%3.92%3.97%3.64%3.67%2.63%-130 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 / Deposits77.69%76.42%73.93%72.86%76.66%73.75%72.64%70.31%-255 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