Wickliffe, KY · Charter 20218
Q4 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.23% | 0.19% | 0.11% | 0.05% | 0.14% | 0.11% | 0.02% | -8 bps | |
| Return on Equity | 1.76% | 1.59% | 1.28% | 0.69% | 0.30% | 0.95% | 0.66% | 0.14% | -55 bps | |
| Net Interest Margin | 2.25% | 2.18% | 2.23% | 2.23% | 2.28% | 2.22% | 2.35% | 2.37% | +15 bps | |
| Efficiency Ratio | 90.33% | 91.11% | 92.92% | 96.16% | 98.30% | 94.71% | 96.35% | 99.24% | +308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.88% | -1.14% | -3.16% | -4.95% | -3.34% | -1.54% | -4.57% | -4.65% | +30 bps | |
| Loan Growth (YoY) | -3.96% | -0.33% | -4.19% | -1.35% | -1.50% | 1.54% | -2.16% | -14.19% | -1,284 bps | |
| Share Growth (YoY) | -4.63% | -1.38% | -3.85% | -5.91% | -4.06% | -2.04% | -5.34% | -5.51% | +40 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.44% | 0.50% | 0.38% | 0.76% | 0.30% | 0.29% | 0.17% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.53% | 0.62% | 0.61% | 0.63% | 0.60% | 0.65% | 0.61% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.68% | 14.78% | 15.17% | 15.40% | 15.24% | 15.06% | 15.93% | 16.17% | +77 bps | |
| Net Worth / Assets | 14.68% | 14.78% | 15.17% | 15.40% | 15.24% | 15.06% | 15.93% | 16.17% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.47% | 47.31% | 47.00% | 48.30% | 46.68% | 49.04% | 48.58% | 43.86% | -444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |