Louisville, KY · Charter 62501
Q2 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 2.68% | 3.76% | 3.45% | 3.42% | 3.56% | 4.34% | -3.45% | -690 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -8.63% | -10.44% | -9.47% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 11.20% | -6.46% | -25.80% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -13.07% | -15.33% | -10.50% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.52% | 0.00% | 0.90% | 8.22% | 13.76% | 9.55% | 7.18% | +628 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.02% | 0.38% | 0.90% | 2.73% | 4.63% | 1.95% | 5.62% | +472 bps | |
| Capital | |||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||||
| Loans / Shares | 79.40% | 93.35% | 103.30% | 109.97% | 101.56% | 103.13% | 85.63% | -1,767 bps | |
| Liquid Assets / Assets | 14.71% | 15.11% | 10.78% | 12.60% | 11.35% | 12.68% | 13.27% | +249 bps | |