Central City, KY · Cert 2736
FDIC · 3 branches
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 0.99% | 0.96% | 0.61% | 0.57% | -44 bps | |
| Return on Equity | 9.68% | 9.32% | 8.99% | 6.28% | 6.02% | -367 bps | |
| Net Interest Margin | 3.26% | 3.32% | 3.36% | 2.32% | 2.89% | -36 bps | |
| Efficiency Ratio | 64.95% | 65.71% | 65.75% | 64.61% | 72.98% | +803 bps | |
| Non-Interest Burden | 1.90% | 1.97% | 2.01% | 1.37% | 1.97% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.45% | -0.52% | 3.01% | 0.63% | -1.86% | -141 bps | |
| Loan Growth (YoY) | -1.71% | -0.44% | 1.64% | 1.18% | -2.24% | -53 bps | |
| Deposit Growth (YoY) | -2.80% | -2.95% | -1.35% | 1.46% | -1.54% | +127 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.53% | 0.46% | -0.03% | 0.06% | +7 bps | |
| Allowance / Loans | 1.83% | 1.44% | 1.45% | 0.07% | 0.12% | -171 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 7.87% | 8.07% | n/a | |
| Total Risk-Based Capital | 21.35% | 21.46% | 20.83% | 15.57% | 16.23% | -512 bps | |
| Equity / Assets | 10.69% | 11.19% | 10.79% | 8.52% | 9.06% | -163 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.74% | 76.96% | 76.92% | 69.49% | 73.21% | -52 bps | |
| Liquid Assets / Assets | 8.68% | 5.07% | 7.44% | 11.59% | 8.28% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |