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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.47% | 1.73% | 1.69% | 1.64% | 1.59% | 1.41% | 1.24% | -45 bps | |
| Return on Equity | 10.68% | 15.93% | 18.63% | 17.94% | 17.03% | 16.70% | 14.60% | 13.02% | -492 bps | |
| Net Interest Margin | 3.03% | 3.39% | 3.18% | 3.13% | 3.02% | 2.89% | 2.87% | 2.79% | -34 bps | |
| Efficiency Ratio | 80.27% | 69.29% | 68.51% | 70.12% | 74.82% | 75.06% | 77.52% | 78.22% | +810 bps | |
| Non-Interest Burden | 1.59% | 0.86% | 0.65% | 0.72% | 1.29% | 1.24% | 1.41% | 1.50% | +78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.55% | 27.44% | 7.77% | 5.97% | 4.10% | -2.29% | 0.51% | 9.28% | +331 bps | |
| Loan Growth (YoY) | 13.43% | 26.88% | 8.14% | 3.99% | -0.01% | -18.54% | -18.39% | -18.61% | -2,261 bps | |
| Deposit Growth (YoY) | 10.27% | 22.51% | 8.47% | 2.03% | 1.44% | -0.01% | 2.12% | 7.55% | +552 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.28% | 0.20% | 0.13% | 0.56% | 0.57% | 0.43% | 0.66% | +53 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.03% | -0.01% | 0.02% | 0.02% | 0.05% | 0.06% | 0.01% | -1 bps | |
| Allowance / Loans | 1.16% | 1.52% | 1.75% | 1.90% | 1.97% | 2.10% | 2.17% | 2.37% | +47 bps | |
| Allowance Coverage of NPLs | 3.5x | 5.4x | 8.6x | 15.0x | 3.5x | 3.7x | 5.1x | 3.6x | -11.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.41% | 9.34% | 8.83% | 9.63% | 9.16% | 9.28% | 9.51% | 9.57% | -6 bps | |
| Total Risk-Based Capital | 13.02% | 12.56% | 12.54% | 13.51% | 14.57% | 14.85% | 14.97% | 15.57% | +205 bps | |
| Equity / Assets | 9.32% | 8.96% | 9.54% | 9.78% | 9.46% | 9.30% | 10.00% | 9.11% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.49% | 93.34% | 93.69% | 89.78% | 84.27% | 76.05% | 74.88% | 67.94% | -2,184 bps | |
| Liquid Assets / Assets | 7.37% | 3.45% | 2.32% | 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 | n/a | n/a | n/a |