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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.54% | 1.71% | 0.57% | 0.72% | -15 bps | |
| Return on Equity | 7.16% | 4.46% | 14.39% | 4.91% | 6.17% | -98 bps | |
| Net Interest Margin | 3.30% | 2.94% | 4.05% | 2.49% | 2.30% | -100 bps | |
| Efficiency Ratio | 71.26% | 81.19% | 55.76% | 80.49% | 71.85% | +59 bps | |
| Non-Interest Burden | 2.20% | 2.29% | 1.94% | 1.85% | 1.40% | -80 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.10% | 0.05% | 10.31% | 10.34% | 6.91% | +701 bps | |
| Loan Growth (YoY) | -9.37% | -12.22% | -2.55% | 0.11% | -7.86% | +151 bps | |
| Deposit Growth (YoY) | -1.11% | -0.65% | 10.57% | 11.05% | 7.22% | +834 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.52% | 2.54% | 2.01% | 3.87% | 2.10% | -42 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.49% | 1.55% | 1.39% | 1.41% | 1.61% | +13 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.7x | 0.4x | 0.8x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.20% | 12.03% | 11.51% | 11.20% | 11.41% | -79 bps | |
| Total Risk-Based Capital | 20.90% | 12.03% | 11.51% | 11.20% | 11.41% | -949 bps | |
| Equity / Assets | 12.13% | 12.06% | 11.66% | 11.56% | 11.83% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.50% | 59.10% | 60.89% | 59.70% | 53.71% | -879 bps | |
| Liquid Assets / Assets | 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 |