Covington, KY · Charter 62472
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.66% | 5.26% | 4.55% | 0.32% | -0.47% | -0.51% | -0.11% | -1.50% | -182 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -4.74% | -1.01% | -15.56% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | -1.81% | 1.32% | 3.01% | 1.74% | 1.10% | +290 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 86.25% | 136.01% | 116.83% | 106.53% | 237% | +15,037 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.77% | 11.94% | 15.05% | 5.91% | 10.07% | 13.80% | -1.30% | -0.66% | -657 bps | |
| Loan Growth (YoY) | -3.86% | -6.93% | -9.58% | 0.94% | -18.75% | -5.34% | -9.49% | -29.44% | -3,037 bps | |
| Share Growth (YoY) | 15.20% | 11.09% | 16.91% | 4.89% | 11.90% | 16.67% | -1.75% | 6.98% | +209 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.53% | 7.62% | 13.41% | 2.59% | 7.71% | 11.38% | 7.15% | 6.43% | +384 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 | 16.43% | 17.31% | 17.51% | 12.70% | 17.36% | 15.69% | 16.60% | 8.30% | -440 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 10.71% | 11.30% | 9.64% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 10.71% | 11.30% | 9.64% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.70% | 32.33% | 27.83% | 33.59% | 22.29% | 26.23% | 25.63% | 22.15% | -1,143 bps | |
| Liquid Assets / Assets | 76.36% | 74.35% | 29.82% | 50.25% | 31.11% | 80.41% | 76.67% | 75.83% | +2,558 bps | |