Harlan, KY · Cert 14200
FDIC · 3 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 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.
Harlan, KY · Cert 14200
FDIC · 3 branches
Q4 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.29% | 0.22% | 0.26% | 0.21% | 0.32% | 0.28% | -0.27% | -53 bps | |
| Return on Equity | 2.23% | 2.47% | 1.94% | 2.33% | 2.02% | 2.89% | 2.46% | -2.45% | -478 bps | |
| Net Interest Margin | 2.93% | 2.94% | 2.87% | 2.89% | 2.73% | 2.81% | 3.14% | 0.40% | -249 bps | |
| Efficiency Ratio | 89.35% | 88.86% | 90.91% | 91.13% | 90.37% | 88.29% | 90.04% | 206% | +11,485 bps | |
| Non-Interest Burden | 2.55% | 2.55% | 2.56% | 2.59% | 2.42% | 2.42% | 2.78% | 0.87% | -171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.52% | 1.83% | 4.71% | 10.31% | 7.76% | 6.97% | -1.24% | -7.75% | -1,807 bps | |
| Loan Growth (YoY) | -1.61% | -1.78% | -3.41% | 0.17% | 0.47% | -3.02% | -4.97% | -4.05% | -423 bps | |
| Deposit Growth (YoY) | 6.51% | 3.13% | 6.16% | 13.09% | 9.48% | 7.34% | -1.61% | -6.67% | -1,975 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 | 0.40% | 0.40% | 0.28% | 0.22% | 0.90% | 0.50% | 0.75% | 0.56% | +34 bps | |
| Allowance / Loans | 1.90% | 1.82% | 1.86% | 1.82% | 1.63% | 1.68% | 1.47% | 0.00% | -182 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 | 10.79% | 11.16% | 10.98% | 10.89% | 10.29% | 10.28% | 11.69% | 9.96% | -93 bps | |
| Total Risk-Based Capital | 23.79% | 24.24% | 24.39% | 23.62% | 22.71% | 21.51% | 22.22% | 15.90% | -772 bps | |
| Equity / Assets | 11.42% | 11.57% | 11.38% | 10.57% | 10.76% | 11.62% | 12.01% | 9.70% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.69% | 52.99% | 50.31% | 46.78% | 46.51% | 47.88% | 48.60% | 48.09% | +131 bps | |
| Liquid Assets / Assets | 1.09% | 1.40% | 0.94% | 2.05% | 2.00% | 2.03% | 2.04% | 1.62% | -43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |