Lexington, KY · Charter 62549
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.07% | 2.65% | 2.85% | 3.01% | 3.18% | 3.13% | 3.05% | 1.20% | -181 bps | |
| Return on Equity | n/a | 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 | n/a |
| Efficiency Ratio | n/a | 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 | -11.91% | -7.63% | -5.46% | 1.53% | -5.15% | +677 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -3.11% | -7.93% | -20.13% | -22.26% | -24.24% | -2,112 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -15.19% | -10.29% | -7.58% | 0.04% | 0.02% | +1,521 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.37% | 0.62% | 0.60% | 0.44% | 1.10% | 0.21% | 0.29% | 0.69% | +25 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 | 1.10% | 0.69% | 0.90% | 0.86% | 1.03% | 1.14% | 0.96% | 0.93% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 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 | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.67% | 92.80% | 96.77% | 89.52% | 95.11% | 80.20% | 75.19% | 67.81% | -2,171 bps | |
| Liquid Assets / Assets | 14.93% | 15.10% | 15.81% | 16.56% | 13.42% | 29.70% | 34.23% | 37.78% | +2,122 bps | |