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Letter portraitLegal landscapeQuarterYTD

Gamble Brothers Employees

Louisville, KY · Charter 62043

Q2 1996

$299KAssets
$123KLoans
$254KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.74%, down 71 bps year over year.
  • Asset quality: problem loans at 1.06% of loans (-1,050 bps YoY).
  • Funding: loans stand at 48.57% of shares as of Q2 1996.

Return on Assets (YTD, annualized)

1.74%-71 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.45%2.79%3.36%3.48%1.74%-71 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a8.74%n/an/a
Loan Growth (YoY)n/an/an/an/a-24.65%n/an/a
Share Growth (YoY)n/an/an/an/a8.51%n/an/a
Asset Quality
Delinquent Loans / Loans11.56%7.30%1.25%0.00%1.06%-1,050 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.90%9.28%6.64%6.86%8.15%-175 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares69.94%68.75%50.07%54.33%48.57%-2,138 bps
Liquid Assets / Assets32.85%30.09%54.29%50.23%47.55%+1,470 bps