Hopkinsville, KY · Charter 11487
Q4 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -0.37% | -0.21% | -0.48% | -3.01% | -1.98% | -2.42% | -4.29% | -381 bps | |
| Return on Equity | 1.31% | -4.93% | -2.82% | -6.16% | -42.29% | -35.28% | -43.13% | -131.36% | -12,520 bps | |
| Net Interest Margin | 5.55% | 5.87% | 6.01% | 6.33% | 6.05% | 5.24% | 5.96% | 6.11% | -22 bps | |
| Efficiency Ratio | 101.09% | 106.80% | 104.04% | 109.71% | 141.88% | 132.59% | 135.94% | 163.79% | +5,408 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | -1.24% | -3.06% | -3.52% | -10.72% | 8.82% | -1.67% | 3.54% | +706 bps | |
| Loan Growth (YoY) | -2.49% | 2.16% | -4.28% | 0.50% | 3.17% | 9.99% | 10.94% | 23.41% | +2,291 bps | |
| Share Growth (YoY) | 3.34% | 1.02% | -1.34% | -3.19% | -10.21% | 10.98% | 0.38% | 6.43% | +962 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 1.06% | 1.35% | 1.07% | 1.03% | 0.00% | 0.00% | 0.00% | -107 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.66% | 0.68% | 0.20% | 0.24% | 0.25% | 0.26% | 0.23% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.48% | 7.46% | 7.60% | 7.83% | 7.12% | 5.62% | 5.62% | 3.27% | -456 bps | |
| Net Worth / Assets | 7.48% | 7.46% | 7.60% | 7.83% | 7.12% | 5.62% | 5.62% | 3.27% | -456 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.50% | 79.26% | 77.81% | 85.35% | 89.04% | 78.56% | 86.00% | 98.97% | +1,362 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |