Prestonsburg, KY · Cert 2721
FDIC · 8 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 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.
Prestonsburg, KY · Cert 2721
FDIC · 8 branches
Q1 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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.18% | 1.18% | 0.64% | 0.95% | 1.15% | 1.13% | 0.58% | -7 bps | |
| Return on Equity | 10.68% | 10.92% | 10.90% | 6.14% | 9.16% | 11.25% | 10.96% | 5.13% | -101 bps | |
| Net Interest Margin | 2.78% | 3.02% | 3.12% | 3.17% | 3.24% | 3.26% | 3.26% | 3.16% | -1 bps | |
| Efficiency Ratio | 69.70% | 69.28% | 68.99% | 78.95% | 72.40% | 68.59% | 68.07% | 82.52% | +357 bps | |
| Non-Interest Burden | 1.69% | 1.84% | 1.90% | 2.44% | 2.17% | 1.99% | 1.96% | 2.48% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.11% | 9.37% | 9.85% | 7.43% | -8.00% | -5.23% | -4.22% | -4.26% | -1,168 bps | |
| Loan Growth (YoY) | 13.69% | 12.02% | 13.45% | 9.06% | -9.90% | -7.73% | -5.30% | -3.55% | -1,261 bps | |
| Deposit Growth (YoY) | 18.50% | 15.54% | 14.75% | 13.97% | -3.95% | -2.85% | -6.70% | -6.17% | -2,014 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.50% | 1.95% | 2.04% | 2.01% | 1.79% | 0.89% | 0.89% | 0.66% | -135 bps | |
| Net Charge-Offs / Loans | 0.33% | 0.27% | 0.30% | 0.10% | 0.10% | 0.14% | 0.14% | 0.07% | -3 bps | |
| Allowance / Loans | 1.08% | 1.15% | 1.15% | 1.23% | 1.27% | 1.27% | 1.27% | 1.33% | +10 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.6x | 0.6x | 0.6x | 0.7x | 1.4x | 1.4x | 2.0x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.51% | 10.78% | 10.82% | 10.97% | 11.22% | 11.25% | 11.37% | 11.82% | +85 bps | |
| Total Risk-Based Capital | 21.14% | 21.98% | 21.98% | 22.30% | 22.61% | 22.70% | 22.80% | 24.16% | +186 bps | |
| Equity / Assets | 10.93% | 11.26% | 10.83% | 10.14% | 10.01% | 9.74% | 10.73% | 11.86% | +172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.10% | 59.45% | 57.85% | 55.46% | 56.37% | 56.46% | 58.72% | 57.01% | +155 bps | |
| Liquid Assets / Assets | 3.60% | 2.76% | 3.08% | 2.43% | 2.99% | 2.99% | 2.61% | 3.03% | +60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |