Louisville, KY · Charter 62575
Q2 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.13% | 1.86% | 1.61% | 1.07% | 0.07% | 0.07% | 0.06% | -1.02% | -209 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 0.24% | -4.34% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.86% | 7.69% | 8.27% | 5.96% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 99.00% | 99.10% | 99.26% | 116.77% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.75% | -14.06% | -12.25% | -12.20% | -16.62% | -37.85% | -35.17% | -28.55% | -1,635 bps | |
| Loan Growth (YoY) | 3.75% | -5.69% | -4.85% | -18.61% | -18.17% | -23.64% | -17.04% | -24.59% | -598 bps | |
| Share Growth (YoY) | -27.23% | -15.83% | -14.61% | -13.81% | -19.81% | -44.40% | -41.94% | -34.73% | -2,091 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.98% | 3.50% | 4.08% | 3.67% | 6.56% | 6.08% | 5.38% | 6.44% | +277 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 | 3.90% | 3.43% | 3.55% | 3.45% | 3.76% | 3.35% | 3.19% | 4.33% | +88 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 25.81% | 23.52% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 25.81% | 23.52% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.84% | 78.69% | 90.95% | 75.42% | 80.45% | 108.07% | 129.96% | 87.13% | +1,171 bps | |
| Liquid Assets / Assets | 32.05% | 28.03% | 18.61% | 30.46% | 0.00% | 5.99% | 5.25% | 27.33% | -313 bps | |