Island, KY · Cert 19106
FDIC · 5 branches
Q2 2019
Market Position · Owensboro, KY · 2019 SOD (annual) · 1.2% share · #13 of 15 inst. · $0.0B of $3.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 0.82% | 1.36% | 1.35% | 1.37% | 1.39% | 1.22% | 1.28% | -7 bps | |
| Return on Equity | 16.21% | 10.11% | 16.68% | 16.58% | 16.85% | 16.82% | 14.85% | 15.49% | -109 bps | |
| Net Interest Margin | 3.89% | 4.00% | 3.95% | 3.92% | 3.85% | 3.86% | 3.93% | 3.77% | -15 bps | |
| Efficiency Ratio | 69.75% | 68.27% | 69.60% | 69.33% | 68.01% | 68.13% | 70.81% | 70.73% | +139 bps | |
| Non-Interest Burden | 2.49% | 2.50% | 2.52% | 2.49% | 2.38% | 2.39% | 2.58% | 2.46% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.82% | 12.03% | 9.85% | 14.14% | 11.10% | 10.15% | 12.70% | 6.27% | -787 bps | |
| Loan Growth (YoY) | 7.30% | 8.91% | 12.15% | 14.62% | 16.84% | 14.40% | 15.22% | 6.92% | -770 bps | |
| Deposit Growth (YoY) | 17.63% | 10.69% | 9.03% | 10.35% | 12.76% | 13.40% | 13.75% | 9.88% | -47 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.33% | 0.40% | 0.38% | 0.37% | 0.15% | 0.18% | 0.19% | -19 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.07% | -0.01% | -0.03% | -0.01% | 0.06% | 0.01% | 0.06% | +9 bps | |
| Allowance / Loans | 1.39% | 1.32% | 1.32% | 1.27% | 1.26% | 1.25% | 1.25% | 1.26% | -1 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.9x | 3.3x | 3.3x | 3.4x | 8.6x | 6.8x | 6.6x | +3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.03% | 8.22% | 8.40% | 8.38% | 8.13% | 8.46% | 8.38% | 8.29% | -9 bps | |
| Total Risk-Based Capital | 12.60% | 12.52% | 12.79% | 12.27% | 12.09% | 12.44% | 12.05% | 12.45% | +18 bps | |
| Equity / Assets | 8.06% | 8.09% | 8.19% | 8.15% | 8.13% | 8.40% | 8.09% | 8.48% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.86% | 91.24% | 88.08% | 93.49% | 90.00% | 92.04% | 89.22% | 90.97% | -252 bps | |
| Liquid Assets / Assets | 13.94% | 13.70% | 13.04% | 12.36% | 11.95% | 11.71% | 10.98% | 10.90% | -146 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |