Dupont, IN · Cert 14714
FDIC · 15 branches
Q4 2015
Market Position · Louisville-Jefferson County, KY-IN · 2015 SOD (annual) · 0.3% share · #28 of 41 inst. · $0.1B of $24.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.00% | 1.01% | 1.29% | 1.09% | 1.11% | 0.94% | 1.05% | -25 bps | |
| Return on Equity | 11.15% | 11.20% | 11.19% | 14.02% | 11.41% | 11.40% | 9.55% | 10.20% | -382 bps | |
| Net Interest Margin | 3.40% | 3.44% | 3.37% | 3.53% | 3.59% | 3.45% | 3.34% | 3.31% | -22 bps | |
| Efficiency Ratio | 66.40% | 68.46% | 65.09% | 59.53% | 65.65% | 64.27% | 69.74% | 66.01% | +648 bps | |
| Non-Interest Burden | 2.06% | 2.24% | 1.92% | 1.84% | 2.12% | 1.92% | 2.10% | 1.92% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.25% | 2.12% | 3.72% | 5.59% | 5.24% | 6.91% | 1.60% | 1.52% | -407 bps | |
| Loan Growth (YoY) | 5.91% | 7.68% | 1.47% | 4.81% | 4.82% | 4.74% | 2.26% | -0.31% | -511 bps | |
| Deposit Growth (YoY) | 2.06% | 3.18% | 6.39% | 3.62% | 0.30% | 3.67% | -0.58% | 1.61% | -201 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 | 0.62% | 0.57% | -0.04% | 0.04% | 0.54% | 0.09% | 0.06% | 1.09% | +105 bps | |
| Allowance / Loans | 1.32% | 1.17% | 1.21% | 1.19% | 1.10% | 1.09% | 1.12% | 0.84% | -35 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 | n/a | 9.41% | 9.58% | 9.80% | 9.96% | n/a | |
| Total Risk-Based Capital | 14.47% | 14.35% | 14.42% | 14.46% | 14.38% | 15.01% | 15.72% | 15.58% | +112 bps | |
| Equity / Assets | 8.75% | 9.05% | 9.03% | 9.38% | 9.80% | 9.60% | 10.16% | 10.34% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.56% | 79.86% | 78.40% | 81.91% | 82.11% | 80.69% | 80.64% | 80.37% | -154 bps | |
| Liquid Assets / Assets | 2.66% | 1.38% | 1.15% | 1.03% | 1.59% | 2.82% | 2.53% | 2.42% | +139 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |