Jackson, KY · Cert 2698
FDIC · 2 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 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.
Jackson, KY · Cert 2698
FDIC · 2 branches
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | 0.47% | 0.25% | 0.25% | 0.13% | 0.66% | 0.40% | 0.27% | +2 bps | |
| Return on Equity | -0.88% | 3.51% | 1.92% | 1.89% | 0.98% | 4.62% | 2.74% | 1.81% | -9 bps | |
| Net Interest Margin | 2.56% | 2.69% | 2.71% | 2.75% | 2.81% | 2.81% | 2.81% | 2.80% | +5 bps | |
| Efficiency Ratio | 98.08% | 84.80% | 90.69% | 90.62% | 94.42% | 80.95% | 87.22% | 90.90% | +28 bps | |
| Non-Interest Burden | 2.50% | 2.21% | 2.41% | 2.45% | 2.63% | 2.08% | 2.35% | 2.49% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.43% | -3.17% | -2.83% | -3.74% | -4.78% | -1.77% | -0.86% | -1.57% | +217 bps | |
| Loan Growth (YoY) | 8.13% | 11.33% | 15.28% | 13.66% | 10.27% | 8.05% | 1.78% | -1.46% | -1,511 bps | |
| Deposit Growth (YoY) | -2.24% | -2.58% | -2.05% | -2.21% | -3.31% | -3.69% | -2.56% | -4.32% | -211 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.99% | 2.71% | 2.78% | 3.24% | 2.99% | 2.91% | 3.02% | 3.49% | +25 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.12% | 0.10% | 0.12% | 0.10% | 0.06% | 0.10% | 0.09% | -3 bps | |
| Allowance / Loans | 0.59% | 0.57% | 0.56% | 0.55% | 0.53% | 0.55% | 0.55% | 0.55% | 0 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.77% | 14.14% | 14.05% | 14.25% | 14.59% | 14.93% | 14.76% | 14.96% | +71 bps | |
| Total Risk-Based Capital | 32.68% | 32.33% | 32.14% | 31.80% | 31.92% | 32.30% | 32.84% | 32.82% | +103 bps | |
| Equity / Assets | 13.51% | 13.16% | 13.00% | 12.96% | 13.85% | 14.60% | 14.96% | 15.35% | +239 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.54% | 47.05% | 48.25% | 49.55% | 53.07% | 52.78% | 50.41% | 51.03% | +148 bps | |
| Liquid Assets / Assets | 5.86% | 4.61% | 5.88% | 1.76% | 1.85% | 3.05% | 4.14% | 2.41% | +66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |