Shelbyville, KY · Cert 10146
FDIC · 18 branches
Q4 2021
Market Position · Louisville/Jefferson County, KY-IN · 2021 SOD (annual) · 2.3% share · #9 of 39 inst. · $0.9B of $39.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | 1.64% | 1.54% | 1.01% | 0.80% | -76 bps | |
| Return on Equity | 16.13% | 17.03% | 16.45% | 10.44% | 8.37% | -776 bps | |
| Net Interest Margin | 2.57% | 3.02% | 2.77% | 2.74% | 2.61% | +3 bps | |
| Efficiency Ratio | 75.72% | 74.82% | 75.33% | 82.98% | 81.29% | +556 bps | |
| Non-Interest Burden | 0.82% | 1.29% | 1.20% | 1.72% | 1.78% | +96 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.97% | 4.10% | -2.29% | 0.51% | 9.28% | +331 bps | |
| Loan Growth (YoY) | 3.99% | -0.01% | -18.54% | -18.39% | -18.61% | -2,261 bps | |
| Deposit Growth (YoY) | 2.03% | 1.44% | -0.01% | 2.12% | 7.55% | +552 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.56% | 0.57% | 0.43% | 0.66% | +53 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.02% | 0.08% | 0.08% | -0.14% | -26 bps | |
| Allowance / Loans | 1.90% | 1.97% | 2.10% | 2.17% | 2.37% | +47 bps | |
| Allowance Coverage of NPLs | 15.0x | 3.5x | 3.7x | 5.1x | 3.6x | -11.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.63% | 9.16% | 9.28% | 9.51% | 9.57% | -6 bps | |
| Total Risk-Based Capital | 13.51% | 14.57% | 14.85% | 14.97% | 15.57% | +205 bps | |
| Equity / Assets | 9.78% | 9.46% | 9.30% | 10.00% | 9.11% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.78% | 84.27% | 76.05% | 74.88% | 67.94% | -2,184 bps | |
| Liquid Assets / Assets | 6.97% | 9.96% | 17.70% | 14.81% | 22.73% | +1,577 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |