Ft Wright, KY · Charter 63195
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ft Wright, KY · Charter 63195
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.07% | -3.18% | -2.78% | -0.84% | -1.04% | -3.04% | -1.31% | -0.35% | +49 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -6.73% | -22.62% | -11.25% | -3.11% | n/a | |
| Net Interest Margin | n/a | n/a | 6.19% | 5.30% | 5.82% | 5.19% | 4.93% | 3.94% | -136 bps | |
| Efficiency Ratio | n/a | n/a | 104.70% | 103.32% | 102.55% | 157.85% | 97.94% | 108.85% | +554 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.96% | -31.85% | -32.85% | -26.56% | -24.01% | -3.57% | 12.16% | 19.57% | +4,613 bps | |
| Loan Growth (YoY) | 13.29% | -26.37% | -28.60% | -16.44% | -21.07% | -4.99% | -7.23% | -8.04% | +839 bps | |
| Share Growth (YoY) | -14.20% | -34.96% | -35.91% | -28.03% | -25.07% | -0.26% | 14.64% | 27.65% | +5,568 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.21% | 5.90% | 4.19% | 5.53% | 4.79% | 4.74% | 1.24% | 1.70% | -383 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 | 0.62% | 3.38% | 2.62% | 3.05% | 2.70% | 3.10% | 3.46% | 3.20% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 15.43% | 13.42% | 11.66% | 11.33% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 15.43% | 13.42% | 11.66% | 11.33% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.60% | 91.40% | 98.21% | 100.44% | 97.54% | 87.07% | 79.48% | 72.36% | -2,808 bps | |
| Liquid Assets / Assets | 5.57% | 6.84% | 7.17% | 0.00% | 18.10% | 23.24% | 32.12% | 34.34% | +3,434 bps | |