Franklin, KY · Cert 27485
FDIC · 7 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Franklin, KY · Cert 27485
FDIC · 7 branches
Q4 2014
Market Position · Bowling Green, KY · 2014 SOD (annual) · 6.3% share · #7 of 21 inst. · $0.2B of $2.4B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.60% | 0.65% | 0.69% | 0.69% | 0.72% | 0.71% | 0.75% | +6 bps | |
| Return on Equity | 3.45% | 4.85% | 5.25% | 5.56% | 5.50% | 5.68% | 5.50% | 5.81% | +25 bps | |
| Net Interest Margin | 3.32% | 3.29% | 3.26% | 3.20% | 3.27% | 3.11% | 3.15% | 3.23% | +2 bps | |
| Efficiency Ratio | 82.33% | 79.64% | 78.40% | 77.62% | 78.59% | 77.83% | 78.27% | 77.37% | -24 bps | |
| Non-Interest Burden | 2.49% | 2.31% | 2.24% | 2.15% | 2.28% | 2.09% | 2.14% | 2.16% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.21% | -1.84% | -1.25% | -1.40% | -0.72% | -1.16% | -0.81% | 2.29% | +369 bps | |
| Loan Growth (YoY) | -8.81% | -11.52% | -13.60% | -11.74% | -8.71% | -8.81% | 1.56% | 0.05% | +1,179 bps | |
| Deposit Growth (YoY) | -1.82% | -1.82% | -0.99% | -0.85% | -3.24% | -3.52% | -3.40% | 2.33% | +318 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 | 0.57% | 0.35% | 0.39% | 0.29% | 0.24% | 0.14% | 0.09% | 0.07% | -22 bps | |
| Allowance / Loans | 2.07% | 2.07% | 2.10% | 2.10% | 2.09% | 2.12% | 2.00% | 2.03% | -7 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 20.71% | 21.03% | 21.95% | 22.16% | 22.86% | 23.23% | 22.51% | 21.92% | -24 bps | |
| Equity / Assets | 12.61% | 12.04% | 12.42% | 12.26% | 12.77% | 13.06% | 13.60% | 12.50% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.05% | 73.17% | 71.69% | 71.33% | 70.81% | 69.15% | 75.37% | 69.74% | -159 bps | |
| Liquid Assets / Assets | 11.37% | 11.40% | 12.04% | 12.34% | 12.09% | 10.55% | 4.30% | 10.44% | -190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |