PackageTrendsPeer
Letter portraitLegal landscape

St. Henry Parish

Erlanger, KY · Charter 62596

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. Henry Parish

Erlanger, KY · Charter 62596

Q4 1999

$1.2MAssets
$426KLoans
$1.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.28%, down 309 bps year over year; NIM at 4.97%.
  • Asset quality: problem loans at 5.04% of loans (+504 bps YoY).
  • Funding: loans stand at 42.54% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

0.28%-309 bps YoY

Net Interest Margin (YTD, annualized)

4.97%
n/a

Efficiency Ratio (YTD, annualized)

94.30%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.91%3.28%3.11%3.37%2.94%2.74%1.49%0.28%-309 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.97%n/an/a
Efficiency Ration/an/an/an/an/an/an/a94.30%n/an/a
Growth
Asset Growth (YoY)-24.46%-19.06%-7.94%-7.99%-11.97%-14.74%-17.02%-14.58%-659 bps
Loan Growth (YoY)18.21%-3.59%-26.48%-28.25%-22.49%-31.63%-38.93%-41.32%-1,307 bps
Share Growth (YoY)-27.97%-22.38%-10.16%-10.13%-15.00%-17.56%-20.24%-16.94%-681 bps
Asset Quality
Delinquent Loans / Loans0.12%0.66%1.75%0.00%0.99%16.70%4.53%5.04%+504 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.63%1.77%1.98%1.86%1.97%2.41%3.04%3.18%+131 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares65.49%63.66%55.88%60.21%59.72%52.79%42.78%42.54%-1,767 bps
Liquid Assets / Assets39.63%43.20%50.09%44.86%47.40%52.15%58.63%57.00%+1,215 bps