Hardinsburg, KY · Cert 14102
FDIC · 3 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.
Hardinsburg, KY · Cert 14102
FDIC · 3 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 | 1.88% | 1.89% | 1.78% | 1.85% | 1.84% | 1.88% | 1.97% | 1.86% | +1 bps | |
| Return on Equity | 9.87% | 9.76% | 9.10% | 9.09% | 8.96% | 9.00% | 9.45% | 8.82% | -27 bps | |
| Net Interest Margin | 4.04% | 4.11% | 4.18% | 4.11% | 4.06% | 4.18% | 4.09% | 3.89% | -22 bps | |
| Efficiency Ratio | 47.63% | 47.51% | 50.57% | 48.51% | 48.04% | 47.00% | 47.54% | 41.31% | -720 bps | |
| Non-Interest Burden | 1.54% | 1.56% | 1.76% | 1.64% | 1.62% | 1.62% | 1.59% | 1.33% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | 3.95% | 1.28% | 1.67% | 0.97% | 1.66% | 6.88% | 3.08% | +142 bps | |
| Loan Growth (YoY) | 5.67% | 0.70% | 1.43% | -2.78% | 0.30% | -1.08% | 1.52% | -0.85% | +192 bps | |
| Deposit Growth (YoY) | 4.08% | 2.24% | -1.00% | -0.10% | -0.96% | -0.20% | 6.43% | 1.74% | +184 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 | 0.00% | 0.03% | 0.02% | -0.01% | 0.00% | 0.00% | 0.01% | 0.62% | +63 bps | |
| Allowance / Loans | 1.12% | 1.09% | 1.13% | 1.14% | 1.11% | 1.11% | 1.10% | 1.02% | -13 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 | 20.57% | 20.53% | 21.54% | 21.32% | 21.27% | +70 bps | |
| Total Risk-Based Capital | 28.30% | 28.68% | 29.59% | 30.27% | 30.36% | 30.78% | 30.99% | 33.11% | +284 bps | |
| Equity / Assets | 19.34% | 20.30% | 20.58% | 20.12% | 20.89% | 21.75% | 20.93% | 21.20% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.69% | 77.51% | 74.97% | 70.09% | 74.63% | 76.83% | 71.52% | 68.31% | -179 bps | |
| Liquid Assets / Assets | 22.24% | 23.47% | 24.15% | 23.56% | 24.46% | 24.51% | 22.58% | 21.80% | -176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |