Chaplin, KY · Cert 18900
FDIC · 5 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Chaplin, KY · Cert 18900
FDIC · 5 branches
Q1 2019
Market Position · Louisville/Jefferson County, KY-IN · 2018 SOD (annual) · 0.1% share · #34 of 40 inst. · $0.0B of $27.6B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.83% | 1.79% | 1.85% | 1.86% | 1.76% | 1.75% | 1.75% | 1.39% | -48 bps | |
| Return on Equity | 16.45% | 16.02% | 16.76% | 17.33% | 16.22% | 16.06% | 16.09% | 12.39% | -494 bps | |
| Net Interest Margin | 4.04% | 4.05% | 4.01% | 3.91% | 3.88% | 3.89% | 3.86% | 3.63% | -28 bps | |
| Efficiency Ratio | 57.88% | 56.68% | 55.68% | 60.80% | 60.52% | 59.57% | 58.87% | 63.79% | +299 bps | |
| Non-Interest Burden | 2.17% | 2.15% | 2.09% | 2.29% | 2.26% | 2.22% | 2.18% | 2.24% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.59% | 9.43% | 10.27% | 6.76% | 6.94% | 4.52% | 1.92% | -1.54% | -830 bps | |
| Loan Growth (YoY) | 5.40% | 11.35% | 13.11% | 17.34% | 12.73% | 9.84% | 4.94% | -0.51% | -1,785 bps | |
| Deposit Growth (YoY) | 6.25% | 7.06% | 7.55% | -3.14% | -2.74% | -4.87% | -6.26% | -4.17% | -103 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.81% | +81 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.13% | 1.11% | 1.07% | 1.07% | 1.07% | 1.06% | 1.08% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.3x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.13% | 11.43% | 10.77% | 11.12% | 11.12% | 11.24% | 11.13% | 11.29% | +16 bps | |
| Total Risk-Based Capital | 14.67% | 14.84% | 13.83% | 14.03% | 14.19% | 14.22% | 14.02% | 14.58% | +55 bps | |
| Equity / Assets | 11.22% | 11.29% | 10.69% | 10.82% | 11.00% | 11.08% | 10.92% | 11.46% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.41% | 115.52% | 122.19% | 129.12% | 127.98% | 133.39% | 136.79% | 134.06% | +494 bps | |
| Liquid Assets / Assets | 9.54% | 8.04% | 1.09% | 1.28% | 1.14% | 1.19% | 1.46% | 1.11% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |