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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.16% | 1.14% | 1.01% | 1.08% | 1.06% | 1.22% | 1.21% | +20 bps | |
| Return on Equity | 13.22% | 11.98% | 11.87% | 10.21% | 10.66% | 10.64% | 13.06% | 13.40% | +320 bps | |
| Net Interest Margin | 3.40% | 3.37% | 3.25% | 3.21% | 3.21% | 3.26% | 2.85% | 3.20% | -1 bps | |
| Efficiency Ratio | 59.90% | 64.70% | 60.21% | 61.47% | 61.47% | 61.69% | 58.07% | 55.77% | -570 bps | |
| Non-Interest Burden | 1.73% | 2.05% | 1.72% | 1.79% | 1.77% | 1.80% | 1.43% | 1.63% | -16 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 | 0.14% | 0.07% | 0.09% | 0.02% | 0.04% | 0.04% | 0.01% | 0.06% | +4 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 |