PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Livingston County

Tiline, KY · Cert 273

FDIC

Q2 2000

$41.5MAssets
$19.2MLoans
$32.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.56%, down 120 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 58.51% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

0.56%-120 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 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets1.97%1.92%1.69%1.76%1.65%1.14%0.29%0.56%-120 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)6.66%6.85%5.93%12.04%6.76%3.51%9.55%5.82%-622 bps
Loan Growth (YoY)8.66%6.39%8.50%3.32%3.57%2.98%2.98%4.76%+144 bps
Deposit Growth (YoY)6.05%6.57%4.95%11.78%7.47%4.33%1.29%-2.21%-1,399 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 / Deposits56.72%54.72%55.01%54.62%54.66%54.02%55.93%58.51%+389 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