Ashland, KY · Charter 61597
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.43% | -4.04% | -4.56% | -4.88% | -4.72% | -3.39% | -2.68% | 0.02% | +490 bps | |
| Return on Equity | -4.25% | -5.15% | -6.60% | -7.24% | -7.11% | -4.98% | -3.86% | 0.02% | +727 bps | |
| Net Interest Margin | 3.24% | 3.01% | 2.95% | 2.34% | 2.74% | 2.96% | 3.44% | 4.54% | +220 bps | |
| Efficiency Ratio | 206% | 234% | 254% | 308% | 271% | 190.46% | 162.08% | 99.66% | -20,793 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.50% | -19.98% | -7.23% | -1.80% | 12.65% | 8.13% | -4.09% | -6.20% | -440 bps | |
| Loan Growth (YoY) | -49.13% | -35.79% | -30.88% | -21.69% | 3.51% | 1.96% | 2.73% | 8.56% | +3,025 bps | |
| Share Growth (YoY) | -69.56% | -59.75% | -14.84% | 13.10% | 153.62% | 87.53% | -5.17% | -14.78% | -2,788 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 67.08% | 45.53% | 34.04% | 18.29% | 7.59% | 5.72% | 2.14% | 3.87% | -1,442 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 | 20.40% | 18.50% | 20.18% | 8.20% | 7.91% | 7.78% | 5.01% | 5.94% | -226 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 80.82% | 78.54% | 69.09% | 67.39% | 66.43% | 68.23% | 69.36% | 70.42% | +303 bps | |
| Net Worth / Assets | 80.82% | 78.54% | 69.09% | 67.39% | 66.43% | 68.23% | 69.36% | 70.42% | +303 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 122.07% | 108.78% | 57.28% | 45.41% | 49.82% | 59.15% | 62.05% | 57.85% | +1,244 bps | |
| Liquid Assets / Assets | 86.36% | 85.37% | 87.55% | 81.69% | 79.81% | 84.77% | 77.70% | 79.81% | -188 bps | |