Leitchfield, KY · Cert 13168
FDIC · 4 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Leitchfield, KY · Cert 13168
FDIC · 4 branches
Q1 2016
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.40% | 1.36% | 1.44% | 1.43% | 1.49% | 1.67% | 1.69% | +25 bps | |
| Return on Equity | 9.77% | 9.49% | 9.19% | 9.80% | 9.65% | 9.80% | 10.82% | 10.37% | +57 bps | |
| Net Interest Margin | 3.84% | 3.80% | 3.74% | 3.72% | 3.77% | 3.88% | 3.99% | 3.79% | +7 bps | |
| Efficiency Ratio | 53.13% | 54.63% | 55.34% | 52.00% | 52.30% | 51.21% | 50.21% | 41.59% | -1,041 bps | |
| Non-Interest Burden | 1.82% | 1.87% | 1.85% | 1.79% | 1.82% | 1.82% | 1.80% | 1.40% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.80% | 3.61% | 6.12% | 12.36% | 7.70% | 0.72% | 2.22% | -3.24% | -1,560 bps | |
| Loan Growth (YoY) | 7.32% | 2.38% | -0.68% | 3.74% | 0.07% | 0.97% | -1.03% | -3.83% | -756 bps | |
| Deposit Growth (YoY) | 0.35% | 1.13% | 4.46% | 8.80% | 3.01% | 3.58% | 1.81% | -5.73% | -1,453 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | 0.13% | -0.02% | -0.01% | -0.01% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.01% | 1.02% | 1.02% | 1.02% | 1.03% | 1.06% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 14.77% | 15.08% | 15.79% | 16.44% | 16.47% | +170 bps | |
| Total Risk-Based Capital | 21.22% | 21.62% | 22.13% | 20.84% | 21.06% | 23.54% | 22.47% | 23.58% | +274 bps | |
| Equity / Assets | 14.79% | 14.96% | 15.15% | 14.30% | 15.05% | 16.32% | 16.30% | 16.28% | +198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.70% | 88.03% | 86.70% | 80.57% | 85.20% | 85.82% | 84.28% | 82.20% | +163 bps | |
| Liquid Assets / Assets | 16.46% | 18.78% | 20.09% | 18.99% | 22.00% | 23.28% | 22.42% | 21.47% | +248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |