Harrodsburg, KY · Charter 20929
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.30% | 4.45% | 4.75% | 4.18% | 4.10% | 3.83% | 3.75% | 3.92% | -26 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 6.68% | 2.47% | 12.21% | 10.58% | 11.75% | 13.11% | 8.23% | -397 bps | |
| Loan Growth (YoY) | n/a | 17.12% | -1.12% | 2.12% | 2.14% | -6.00% | 7.33% | 15.81% | +1,370 bps | |
| Share Growth (YoY) | n/a | 5.34% | 0.91% | 12.75% | 11.45% | 13.45% | 15.55% | 9.22% | -353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.49% | 1.89% | 1.41% | 0.33% | 0.00% | 0.25% | 0.21% | -120 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.31% | 0.54% | 0.45% | 0.20% | 0.29% | 0.20% | 0.32% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.72% | 99.60% | 102.54% | 88.49% | 93.23% | 82.52% | 95.24% | 93.84% | +535 bps | |
| Liquid Assets / Assets | 15.32% | 16.08% | 15.20% | 25.12% | 21.63% | 26.83% | 17.50% | 17.39% | -773 bps | |