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Morganfield National Bank

Morganfield, KY · Cert 2760

FDIC

Q3 1999

$114.7MAssets
$78.8MLoans
$68.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.25%, up 3 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 115.33% of deposits as of Q3 1999.

Return on Assets (YTD, annualized)

1.25%+3 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.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets1.07%1.08%1.11%1.23%1.26%1.17%1.22%1.25%+3 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)2.78%7.32%2.44%0.85%6.89%8.26%6.42%0.85%0 bps
Loan Growth (YoY)3.86%12.31%8.72%6.08%3.91%-0.59%3.81%4.93%-115 bps
Deposit Growth (YoY)-1.70%-1.67%-1.80%-3.67%-0.56%-6.30%-8.69%-4.01%-34 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 / Deposits99.52%100.73%101.13%105.51%104.00%106.87%114.96%115.33%+982 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