Prestonsburg, KY · Cert 2721
FDIC · 8 branches
Q1 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.22% | 1.16% | 0.64% | 1.26% | 1.55% | 1.07% | 0.58% | -7 bps | |
| Return on Equity | 12.04% | 11.04% | 10.47% | 6.14% | 12.49% | 15.73% | 10.49% | 5.13% | -101 bps | |
| Net Interest Margin | 2.89% | 3.39% | 3.26% | 3.17% | 3.24% | 3.31% | 3.22% | 3.16% | -1 bps | |
| Efficiency Ratio | 66.99% | 68.55% | 68.13% | 78.95% | 66.74% | 61.67% | 66.53% | 82.52% | +357 bps | |
| Non-Interest Burden | 1.58% | 2.06% | 2.00% | 2.44% | 1.85% | 1.66% | 1.84% | 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 | 0.37% | 0.13% | 0.36% | 0.10% | 0.10% | 0.21% | 0.15% | 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 |