Caneyville, KY · Cert 15068
FDIC · 1 branch
Q3 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.69% | 0.61% | 0.74% | 0.84% | +2 bps | |
| Return on Equity | 9.41% | 7.82% | 6.72% | 8.15% | 9.22% | -20 bps | |
| Net Interest Margin | 2.52% | 2.63% | 2.60% | 2.73% | 2.72% | +20 bps | |
| Efficiency Ratio | 70.06% | 75.60% | 78.63% | 74.55% | 71.15% | +109 bps | |
| Non-Interest Burden | 1.69% | 1.93% | 2.00% | 1.98% | 1.87% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.38% | -2.34% | -0.76% | -1.71% | -3.75% | -338 bps | |
| Loan Growth (YoY) | 1.21% | 9.98% | 9.79% | 5.09% | 5.01% | +380 bps | |
| Deposit Growth (YoY) | -0.55% | -2.63% | -1.17% | -2.16% | -4.28% | -373 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.91% | 0.89% | 0.88% | 0.88% | 0.86% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.87% | 9.13% | 8.89% | 9.22% | 9.25% | +38 bps | |
| Total Risk-Based Capital | 21.80% | 21.69% | 21.31% | 21.58% | 21.32% | -48 bps | |
| Equity / Assets | 8.93% | 9.13% | 8.92% | 9.12% | 9.35% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.26% | 38.52% | 38.30% | 39.23% | 40.88% | +362 bps | |
| Liquid Assets / Assets | 60.08% | 59.84% | 57.64% | 55.40% | 54.83% | -525 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |