Vanceburg, KY · Cert 12165
FDIC · 17 branches
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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.
Vanceburg, KY · Cert 12165
FDIC · 17 branches
Q2 2021
Market Position · Huntington-Ashland, WV-KY-OH · 2021 SOD (annual) · 1.8% share · #18 of 27 inst. · $0.1B of $7.6B
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.25% | 1.14% | 1.07% | 1.08% | 1.07% | 1.22% | 1.22% | +15 bps | |
| Return on Equity | 13.32% | 12.95% | 11.87% | 11.04% | 10.94% | 10.91% | 13.06% | 13.21% | +216 bps | |
| Net Interest Margin | 3.44% | 3.12% | 3.25% | 3.14% | 3.18% | 3.21% | 2.85% | 2.93% | -21 bps | |
| Efficiency Ratio | 60.35% | 61.46% | 60.21% | 60.84% | 61.05% | 61.22% | 58.07% | 56.86% | -398 bps | |
| Non-Interest Burden | 1.80% | 1.70% | 1.72% | 1.71% | 1.74% | 1.76% | 1.43% | 1.49% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.75% | 24.29% | 20.95% | 23.55% | 19.98% | 6.65% | 14.38% | 12.67% | -1,089 bps | |
| Loan Growth (YoY) | -0.13% | 14.44% | 10.38% | 20.19% | 17.92% | -2.36% | 0.95% | -6.08% | -2,627 bps | |
| Deposit Growth (YoY) | 8.06% | 25.60% | 19.73% | 22.73% | 19.18% | 4.91% | 11.03% | 11.42% | -1,131 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.56% | 0.64% | 0.41% | 0.49% | 0.48% | 0.33% | 0.30% | -10 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.10% | 0.09% | 0.05% | 0.05% | 0.05% | 0.01% | 0.03% | -2 bps | |
| Allowance / Loans | 0.94% | 0.74% | 0.76% | 0.77% | 0.79% | 0.85% | 0.88% | 0.83% | +6 bps | |
| Allowance Coverage of NPLs | 2.4x | 1.3x | 1.2x | 1.9x | 1.6x | 1.8x | 2.7x | 2.7x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.22% | 8.54% | 8.36% | 8.17% | 8.51% | 8.36% | 8.44% | 8.24% | +7 bps | |
| Total Risk-Based Capital | 15.82% | 14.08% | 14.58% | 8.17% | 8.51% | 8.36% | 8.44% | 16.17% | +800 bps | |
| Equity / Assets | 10.19% | 9.29% | 9.95% | 9.90% | 10.27% | 9.72% | 9.04% | 9.02% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.69% | 65.13% | 64.38% | 65.30% | 65.98% | 60.61% | 58.53% | 55.05% | -1,025 bps | |
| Liquid Assets / Assets | 3.91% | 1.28% | 0.23% | 0.85% | 0.17% | 6.63% | 8.77% | 1.19% | +34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |