Jackson, KY · Cert 2698
FDIC · 2 branches
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.15% | 0.47% | 0.04% | 0.24% | -0.24% | 0.66% | 0.14% | 0.00% | -24 bps | |
| Return on Equity | -8.27% | 3.51% | 0.29% | 1.85% | -1.76% | 4.62% | 0.95% | 0.00% | -185 bps | |
| Net Interest Margin | 2.47% | 2.69% | 2.74% | 2.79% | 2.83% | 2.81% | 2.83% | 2.72% | -7 bps | |
| Efficiency Ratio | 116.05% | 84.80% | 96.46% | 90.49% | 105.97% | 80.95% | 94.41% | 99.38% | +888 bps | |
| Non-Interest Burden | 2.93% | 2.21% | 2.62% | 2.48% | 3.02% | 2.08% | 2.65% | 2.70% | +22 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 | 0.01% | 0.12% | 0.07% | 0.16% | 0.06% | 0.06% | 0.15% | 0.06% | -10 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 |