Scottsburg, IN · Cert 10485
FDIC · 4 branches
Q2 2015
Market Position · Louisville-Jefferson County, KY-IN · 2015 SOD (annual) · 0.5% share · #22 of 41 inst. · $0.1B of $24.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 1.20% | 0.97% | 0.86% | 0.63% | 1.06% | 0.87% | 1.13% | +26 bps | |
| Return on Equity | 6.79% | 10.42% | 8.36% | 7.43% | 5.83% | 10.54% | 8.42% | 11.21% | +377 bps | |
| Net Interest Margin | 4.02% | 3.96% | 3.93% | 3.87% | 3.88% | 3.84% | 3.67% | 3.65% | -22 bps | |
| Efficiency Ratio | 75.90% | 62.22% | 70.05% | 67.18% | 71.14% | 60.72% | 72.82% | 57.60% | -958 bps | |
| Non-Interest Burden | 3.04% | 2.35% | 2.70% | 2.42% | 2.65% | 2.15% | 2.80% | 1.87% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.36% | -11.57% | -2.93% | 4.09% | 1.54% | 0.62% | -0.70% | 3.03% | -106 bps | |
| Loan Growth (YoY) | -3.06% | -3.29% | -3.33% | -2.06% | 1.04% | 1.47% | 1.54% | 10.83% | +1,289 bps | |
| Deposit Growth (YoY) | 5.34% | -8.14% | -3.74% | 2.97% | 2.20% | 4.39% | 2.03% | 6.08% | +311 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.40% | 1.20% | 0.09% | 0.53% | 0.47% | 0.00% | 0.48% | 0.15% | -38 bps | |
| Allowance / Loans | 1.36% | 1.04% | 1.01% | 0.96% | 1.01% | 1.12% | 0.96% | 0.93% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 10.27% | 10.21% | n/a | |
| Total Risk-Based Capital | 20.06% | 20.04% | 20.41% | 20.26% | 16.89% | 17.34% | 17.80% | 16.68% | -358 bps | |
| Equity / Assets | 11.55% | 11.46% | 11.73% | 11.54% | 9.94% | 10.19% | 10.54% | 9.63% | -191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.46% | 68.09% | 66.40% | 64.55% | 68.67% | 66.18% | 66.08% | 67.44% | +289 bps | |
| Liquid Assets / Assets | 0.60% | 0.34% | 0.62% | 0.59% | 0.84% | 0.73% | 0.72% | 0.66% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |