Owensboro, KY · Charter 68637
NCUA · 1 branch
Q4 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.34% | 0.65% | 0.30% | 0.72% | 0.26% | -0.02% | -0.37% | -66 bps | |
| Return on Equity | 22.96% | 18.91% | 9.20% | 4.15% | 10.57% | 3.78% | -0.32% | -5.42% | -957 bps | |
| Net Interest Margin | 4.09% | 4.00% | 4.00% | 4.08% | 3.41% | 3.38% | 3.37% | 3.47% | -61 bps | |
| Efficiency Ratio | 73.47% | 76.80% | 75.56% | 77.98% | 83.83% | 85.58% | 88.11% | 93.06% | +1,509 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.70% | -0.75% | 2.17% | -3.73% | 0.77% | -0.67% | -0.23% | -0.60% | +312 bps | |
| Loan Growth (YoY) | -12.19% | -17.74% | -16.76% | -16.30% | -18.97% | -17.52% | -15.49% | -15.82% | +48 bps | |
| Share Growth (YoY) | -1.86% | -2.17% | 1.53% | -4.31% | 0.79% | -0.44% | 0.01% | -0.12% | +419 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 1.98% | 1.90% | 2.10% | 1.59% | 1.60% | 1.79% | 0.98% | -112 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 | 1.52% | 1.30% | 1.63% | 1.84% | 1.85% | 1.78% | 2.23% | 2.29% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.84% | 7.10% | 7.03% | 7.12% | 6.85% | 6.88% | 6.83% | 6.80% | -33 bps | |
| Net Worth / Assets | 6.84% | 7.10% | 7.03% | 7.12% | 6.85% | 6.88% | 6.83% | 6.80% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.22% | 56.48% | 53.99% | 53.99% | 47.62% | 46.79% | 45.62% | 45.50% | -849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 97.68% | 0.00% | 0.00% | 0.00% | 0 bps | |