Elberfeld, IN · Cert 13104
FDIC · 3 branches
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, 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.
Elberfeld, IN · Cert 13104
FDIC · 3 branches
Q4 2020
Market Position · Evansville, IN-KY · 2020 SOD (annual) · 0.6% share · #13 of 20 inst. · $0.1B of $8.0B
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.68% | 0.75% | 0.78% | 0.54% | 1.13% | 0.94% | 0.89% | +11 bps | |
| Return on Equity | 7.57% | 5.88% | 6.43% | 6.62% | 4.46% | 9.46% | 7.94% | 7.50% | +88 bps | |
| Net Interest Margin | 3.38% | 3.22% | 3.29% | 3.31% | 2.94% | 3.40% | 3.05% | 2.89% | -42 bps | |
| Efficiency Ratio | 72.12% | 76.96% | 74.37% | 73.60% | 81.19% | 66.04% | 70.29% | 70.63% | -296 bps | |
| Non-Interest Burden | 2.31% | 2.36% | 2.31% | 2.30% | 2.29% | 2.04% | 1.95% | 1.83% | -47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.09% | -1.51% | -1.80% | -0.10% | 0.05% | 10.31% | 10.34% | 6.91% | +701 bps | |
| Loan Growth (YoY) | 6.74% | 3.89% | -2.61% | -9.37% | -12.22% | -2.55% | 0.11% | -7.86% | +151 bps | |
| Deposit Growth (YoY) | -2.44% | -3.01% | -3.32% | -1.11% | -0.65% | 10.57% | 11.05% | 7.22% | +834 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.14% | 4.48% | 2.86% | 2.52% | 2.54% | 2.01% | 3.87% | 2.10% | -42 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.40% | 0.28% | 0.22% | 0.00% | 0.00% | 0.00% | 0.00% | -22 bps | |
| Allowance / Loans | 1.50% | 1.31% | 1.41% | 1.49% | 1.55% | 1.39% | 1.41% | 1.61% | +13 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.3x | 0.5x | 0.6x | 0.6x | 0.7x | 0.4x | 0.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.55% | 11.79% | 11.99% | 12.20% | 12.03% | 11.51% | 11.20% | 11.41% | -79 bps | |
| Total Risk-Based Capital | 18.92% | 18.63% | 19.00% | 20.90% | 12.03% | 11.51% | 11.20% | 11.41% | -949 bps | |
| Equity / Assets | 11.49% | 11.94% | 12.15% | 12.13% | 12.06% | 11.66% | 11.56% | 11.83% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.88% | 69.09% | 66.22% | 62.50% | 59.10% | 60.89% | 59.70% | 53.71% | -879 bps | |
| Liquid Assets / Assets | 23.27% | 20.51% | 19.81% | 23.56% | 25.61% | 26.64% | 29.85% | 34.82% | +1,126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |