Central City, KY · Cert 2736
FDIC · 3 branches
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.15% | 1.01% | 0.99% | 0.94% | 0.88% | 0.61% | 0.52% | -47 bps | |
| Return on Equity | 9.08% | 10.92% | 9.84% | 9.59% | 8.60% | 7.97% | 6.28% | 5.94% | -365 bps | |
| Net Interest Margin | 3.45% | 3.47% | 3.19% | 3.28% | 3.39% | 3.42% | 2.32% | 3.43% | +15 bps | |
| Efficiency Ratio | 66.62% | 61.49% | 64.51% | 65.39% | 67.21% | 65.88% | 64.61% | 78.67% | +1,328 bps | |
| Non-Interest Burden | 2.09% | 1.90% | 1.84% | 1.93% | 2.09% | 2.05% | 1.37% | 2.56% | +63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.42% | -1.14% | -1.47% | -0.45% | -0.52% | 3.01% | 0.63% | -1.86% | -141 bps | |
| Loan Growth (YoY) | -1.16% | -2.43% | -1.61% | -1.71% | -0.44% | 1.64% | 1.18% | -2.24% | -53 bps | |
| Deposit Growth (YoY) | -2.59% | -2.70% | -4.32% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.69% | -0.03% | 0.01% | 1.63% | 0.24% | -0.03% | 0.15% | +14 bps | |
| Allowance / Loans | 1.90% | 1.76% | 1.85% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 7.87% | 8.07% | n/a | |
| Total Risk-Based Capital | 20.41% | 20.65% | 21.32% | 21.35% | 21.46% | 20.83% | 15.57% | 16.23% | -512 bps | |
| Equity / Assets | 10.49% | 10.61% | 9.97% | 10.69% | 11.19% | 10.79% | 8.52% | 9.06% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.02% | 74.65% | 69.69% | 73.74% | 76.96% | 76.92% | 69.49% | 73.21% | -52 bps | |
| Liquid Assets / Assets | 4.05% | 4.49% | 13.13% | 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 | n/a | n/a | n/a |