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Providence State Bank

Providence, KY · Cert 2766

FDIC

Q4 1997

$43.8MAssets
$33.9MLoans
$35.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.32%, down 26 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 96.30% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

0.32%-26 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.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets0.54%0.55%0.49%0.59%0.55%0.52%0.42%0.32%-26 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)7.52%12.42%11.21%17.85%24.39%19.27%16.02%7.18%-1,067 bps
Loan Growth (YoY)17.95%25.11%31.92%38.21%45.26%30.01%20.43%10.78%-2,743 bps
Deposit Growth (YoY)7.77%9.00%6.38%1.65%5.76%6.01%3.50%10.93%+928 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 / Deposits72.54%79.95%86.31%96.43%99.63%98.05%100.43%96.30%-13 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