Hartford, KY · Cert 1051
FDIC · 3 branches
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.02% | 1.15% | 1.74% | 0.95% | 1.89% | 0.94% | 1.38% | -36 bps | |
| Return on Equity | 8.99% | 10.75% | 12.56% | 19.56% | 11.26% | 22.92% | 11.37% | 16.92% | -264 bps | |
| Net Interest Margin | 3.81% | 3.67% | 3.76% | 3.86% | 3.75% | 3.82% | 3.80% | 3.75% | -12 bps | |
| Efficiency Ratio | 70.88% | 67.79% | 64.80% | 56.42% | 69.46% | 52.85% | 68.63% | 58.25% | +183 bps | |
| Non-Interest Burden | 2.47% | 2.24% | 2.15% | 1.56% | 2.44% | 1.33% | 2.49% | 2.04% | +48 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% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0 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 |