Hartford, KY · Cert 1051
FDIC · 3 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Hartford, KY · Cert 1051
FDIC · 3 branches
Q4 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.96% | 1.03% | 1.22% | 0.95% | 1.44% | 1.27% | 1.30% | +7 bps | |
| Return on Equity | 8.99% | 9.87% | 10.78% | 13.05% | 11.26% | 17.16% | 15.21% | 15.66% | +261 bps | |
| Net Interest Margin | 3.81% | 3.56% | 3.51% | 3.45% | 3.75% | 3.63% | 3.63% | 3.57% | +13 bps | |
| Efficiency Ratio | 70.88% | 69.29% | 67.70% | 64.30% | 69.46% | 60.01% | 62.76% | 61.67% | -263 bps | |
| Non-Interest Burden | 2.47% | 2.24% | 2.14% | 1.90% | 2.44% | 1.78% | 1.99% | 1.96% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.40% | 31.85% | 26.32% | 27.95% | 30.29% | 26.56% | 22.69% | 19.98% | -796 bps | |
| Loan Growth (YoY) | 56.52% | 40.38% | 36.22% | 35.06% | 36.19% | 35.83% | 28.49% | 22.63% | -1,244 bps | |
| Deposit Growth (YoY) | 26.20% | 29.38% | 28.64% | 32.22% | 32.41% | 29.33% | 23.78% | 20.86% | -1,137 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.05% | 0.09% | 0.08% | 0.03% | 0.03% | 0.03% | 0.08% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.01% | 0.01% | +2 bps | |
| Allowance / Loans | 0.39% | 0.41% | 0.41% | 0.42% | 0.43% | 0.44% | 0.43% | 0.42% | 0 bps | |
| Allowance Coverage of NPLs | 3.1x | 8.7x | 4.7x | 5.2x | 13.2x | 15.4x | 16.8x | 5.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.56% | 8.86% | 8.70% | 8.35% | 8.15% | 7.92% | 7.85% | 7.75% | -60 bps | |
| Total Risk-Based Capital | 12.74% | 12.20% | 11.69% | 11.35% | 11.04% | 11.08% | 10.75% | 10.69% | -66 bps | |
| Equity / Assets | 9.82% | 9.22% | 9.08% | 8.70% | 8.26% | 8.23% | 8.24% | 8.06% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.54% | 82.92% | 87.84% | 87.82% | 86.95% | 87.08% | 91.18% | 89.11% | +129 bps | |
| Liquid Assets / Assets | 3.86% | 5.71% | 4.03% | 3.12% | 2.50% | 1.34% | 1.47% | 1.61% | -150 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |