Versailles, KY · Cert 15608
FDIC · 13 branches
Q4 2016
Market Position · Lexington-Fayette, KY · 2016 SOD (annual) · 4.0% share · #8 of 37 inst. · $0.4B of $9.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.93% | 0.46% | 0.63% | 0.38% | 0.51% | 0.46%1 | 0.51% | -12 bps | |
| Return on Equity | 7.90% | 7.38% | 3.50% | 4.87% | 2.90% | 4.00% | 3.52% | 3.98% | -89 bps | |
| Net Interest Margin | 2.93% | 3.48% | 2.91% | 3.06% | 3.07% | 3.06% | 3.14% | 3.66% | +60 bps | |
| Efficiency Ratio | 83.12% | 79.63% | 89.69% | 81.19% | 86.47% | 81.03% | 120.25% | 81.08% | -11 bps | |
| Non-Interest Burden | 2.40% | 2.78% | 2.64% | 2.43% | 2.60% | 2.36% | 3.88% | 2.85% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.78% | -3.30% | -1.57% | -1.86% | -1.41% | 0.93% | -8.24% | -8.04% | -618 bps | |
| Loan Growth (YoY) | -11.38% | -4.67% | 1.38% | 8.87% | 13.40% | 10.97% | 8.24% | 7.02% | -185 bps | |
| Deposit Growth (YoY) | -2.17% | -5.10% | -2.57% | -3.09% | -3.10% | 1.15% | 1.02% | 3.18% | +627 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% | -0.02% | 0.05% | -0.05% | 0.02% | 0.01% | 0.04% | 0.04% | +10 bps | |
| Allowance / Loans | 1.98% | 1.64% | 1.40% | 1.19% | 1.14% | 1.15% | 1.12% | 1.09% | -11 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 | 11.92% | 12.51% | 12.82% | 12.89% | 12.93% | 12.05% | 12.46% | 12.38% | -51 bps | |
| Total Risk-Based Capital | 20.29% | 19.99% | 20.20% | 19.68% | 19.40% | 18.20% | 18.51% | 16.47% | -321 bps | |
| Equity / Assets | 12.33% | 12.95% | 13.10% | 12.97% | 13.07% | 12.54% | 13.52% | 12.18% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.56% | 73.94% | 75.96% | 79.67% | 80.23% | 81.11% | 81.39% | 82.63% | +296 bps | |
| Liquid Assets / Assets | 4.81% | 2.19% | 3.64% | 4.09% | 5.05% | 3.94% | 6.21% | 3.39% | -70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |