Owensboro, KY · Charter 62584
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.91% | 0.51% | 0.81% | 0.62% | 0.02% | 0.01% | 0.01% | 0.01% | -61 bps | |
| Return on Equity | n/a | n/a | n/a | 5.67% | 0.17% | 0.12% | 0.13% | 0.09% | -559 bps | |
| Net Interest Margin | n/a | 2.48% | 1.83% | 2.16% | 1.04% | 0.77% | 0.37% | 0.37% | -179 bps | |
| Efficiency Ratio | n/a | 34.30% | 24.33% | 20.23% | 63.66% | 72.06% | 96.64% | 97.66% | +7,743 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.50% | -1.75% | -4.04% | -1.86% | -2.04% | 6.07% | 8.10% | 12.01% | +1,386 bps | |
| Loan Growth (YoY) | -10.09% | -3.68% | -2.54% | -9.28% | -2.12% | -1.22% | -6.30% | -10.75% | -147 bps | |
| Share Growth (YoY) | 2.46% | -1.43% | -4.11% | -1.72% | -3.25% | 6.22% | 8.64% | 13.17% | +1,489 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 0.59% | 1.13% | 1.10% | 1.20% | 1.01% | 0.50% | 1.69% | +59 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 | 1.97% | 2.45% | 3.32% | 4.33% | 4.75% | 4.82% | 5.09% | 5.40% | +107 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 10.94% | 10.22% | 10.26% | 9.43% | 9.78% | -115 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 10.94% | 10.22% | 10.26% | 9.43% | 9.78% | -115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.56% | 60.53% | 55.93% | 60.05% | 55.20% | 56.29% | 48.24% | 47.36% | -1,269 bps | |
| Liquid Assets / Assets | 40.76% | 24.36% | 14.56% | 14.31% | 20.66% | 18.34% | 27.63% | 27.55% | +1,324 bps | |