Lexington, KY · Charter 13638
Q3 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | -0.21% | 0.07% | 0.16% | 0.24% | 0.21% | 0.22% | 0.31% | +15 bps | |
| Return on Equity | 1.14% | -2.04% | 0.62% | 1.47% | 2.05% | 1.79% | 1.92% | 2.62% | +115 bps | |
| Net Interest Margin | 2.93% | 2.96% | 3.00% | 3.02% | 3.09% | 2.92% | 2.96% | 2.97% | -5 bps | |
| Efficiency Ratio | 85.43% | 89.83% | 87.95% | 85.56% | 81.51% | 84.61% | 81.27% | 81.12% | -444 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.44% | 10.33% | 8.93% | 0.73% | -0.53% | -0.44% | 0.76% | 0.44% | -30 bps | |
| Loan Growth (YoY) | 13.58% | 11.00% | 8.68% | -1.18% | -2.11% | -1.29% | -1.41% | -0.01% | +116 bps | |
| Share Growth (YoY) | 15.34% | 13.61% | 12.25% | 2.40% | 0.12% | -1.61% | -0.35% | -0.32% | -273 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.89% | 0.95% | 1.17% | 1.10% | 1.16% | 1.29% | 1.48% | +31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.29% | 1.22% | 1.22% | 1.29% | 1.30% | 1.36% | 1.31% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.93% | 10.47% | 10.77% | 10.86% | 11.95% | 11.55% | 11.70% | 11.86% | +100 bps | |
| Net Worth / Assets | 10.93% | 10.47% | 10.77% | 10.86% | 11.95% | 11.55% | 11.70% | 11.86% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.55% | 58.71% | 60.53% | 60.77% | 62.13% | 58.90% | 59.89% | 60.96% | +19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |