London, KY · Cert 2704
FDIC · 4 branches
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.54% | 0.78% | 0.74% | 0.61% | 0.54% | 0.23% | 0.28% | -46 bps | |
| Return on Equity | 5.38% | 4.94% | 6.92% | 6.80% | 5.48% | 4.67% | 1.97% | 2.49% | -431 bps | |
| Net Interest Margin | 3.40% | 3.45% | 3.49% | 3.44% | 3.47% | 3.58% | 3.55% | 3.35% | -9 bps | |
| Efficiency Ratio | 76.20% | 78.04% | 77.33% | 75.96% | 80.55% | 80.56% | 69.00% | 85.94% | +998 bps | |
| Non-Interest Burden | 2.47% | 2.56% | 2.55% | 2.45% | 2.67% | 2.76% | 2.13% | 2.81% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.74% | -1.44% | 0.21% | -6.76% | -5.07% | 3.72% | 2.53% | 7.24% | +1,400 bps | |
| Loan Growth (YoY) | 10.13% | 18.68% | 21.98% | 12.99% | 10.20% | 13.67% | 10.10% | 10.48% | -251 bps | |
| Deposit Growth (YoY) | -1.70% | 0.02% | 1.34% | -4.87% | -3.39% | 4.59% | 4.07% | 4.40% | +927 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.13% | 0.99% | 1.17% | 2.41% | 2.29% | 2.01% | 1.35% | 1.07% | -133 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.03% | 0.02% | 0.12% | 0.18% | 0.03% | 2.09% | 0.19% | +7 bps | |
| Allowance / Loans | 0.86% | 0.84% | 0.86% | 0.87% | 0.84% | 0.84% | 0.82% | 0.81% | -6 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.7x | 0.4x | 0.4x | 0.4x | 0.6x | 0.8x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.61% | 11.16% | 11.36% | 10.50% | 11.30% | 11.51% | 11.14% | 10.99% | +48 bps | |
| Total Risk-Based Capital | 16.86% | 17.59% | 17.99% | 17.09% | 17.92% | 17.23% | 17.54% | 17.25% | +16 bps | |
| Equity / Assets | 10.78% | 11.24% | 11.19% | 10.60% | 11.61% | 11.52% | 11.69% | 11.15% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.17% | 66.19% | 68.39% | 67.06% | 69.77% | 71.94% | 72.35% | 70.96% | +390 bps | |
| Liquid Assets / Assets | 2.59% | 2.37% | 4.66% | 3.65% | 2.33% | 7.50% | 8.89% | 9.06% | +541 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |