Cold Spring, KY · Charter 22378
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.25% | -1.35% | -1.34% | -1.31% | -1.38% | -1.29% | -1.30% | -14.05% | -1,274 bps | |
| Return on Equity | -4.75% | -5.16% | -5.30% | -5.08% | -5.20% | -5.08% | -5.27% | -82.33% | -7,726 bps | |
| Net Interest Margin | 0.46% | 0.33% | 0.28% | 0.37% | 0.42% | 0.54% | 0.43% | -12.22% | -1,259 bps | |
| Efficiency Ratio | 342% | 412% | 430% | 376% | 371% | 313% | 371% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | -2.17% | -3.21% | -4.97% | -5.85% | -2.45% | -2.76% | -7.82% | -284 bps | |
| Loan Growth (YoY) | -11.21% | -2.33% | 27.05% | 27.91% | 31.38% | 37.44% | -24.42% | -29.16% | -5,707 bps | |
| Share Growth (YoY) | 1.29% | -1.23% | -2.71% | -5.04% | -6.18% | -1.60% | -1.94% | 3.48% | +852 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.49% | 3.32% | 1.65% | 1.42% | 1.40% | 1.29% | 1.34% | 0.92% | -50 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 | 0.33% | 0.35% | 0.21% | 0.24% | 0.25% | 0.26% | 0.28% | 0.33% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.32% | 26.16% | 25.23% | 25.78% | 26.57% | 25.49% | 24.66% | 17.06% | -872 bps | |
| Net Worth / Assets | 26.32% | 26.16% | 25.23% | 25.78% | 26.57% | 25.49% | 24.66% | 17.06% | -872 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.91% | 11.20% | 17.65% | 16.80% | 16.68% | 15.65% | 13.60% | 11.50% | -530 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |