Elizabethtown, KY · Cert 28610
FDIC · 17 branches
Q4 2014
Market Position · Elizabethtown-Fort Knox, KY · 2014 SOD (annual) · 19.7% share · #1 of 17 inst. · $0.4B of $2.1B
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 | 0.23% | -0.01% | 0.27% | 0.29% | 0.14% | 0.06% | 0.18% | -0.11% | -40 bps | |
| Return on Equity | 3.33% | -0.19% | 3.98% | 4.26% | 1.98% | 0.81% | 2.37% | -1.38% | -563 bps | |
| Net Interest Margin | 2.58% | 2.77% | 2.90% | 2.89% | 2.75% | 2.81% | 2.86% | 2.79% | -10 bps | |
| Efficiency Ratio | 109.37% | 107.18% | 98.71% | 102.03% | 95.31% | 111.09% | 110.46% | 123.46% | +2,143 bps | |
| Non-Interest Burden | 2.87% | 3.02% | 2.85% | 2.97% | 2.58% | 3.21% | 3.25% | 3.65% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.03% | -25.78% | -16.66% | -14.74% | -10.96% | -9.17% | -11.33% | -9.72% | +503 bps | |
| Loan Growth (YoY) | -26.87% | -22.87% | -17.18% | -11.61% | -9.38% | -7.59% | -8.40% | -7.98% | +363 bps | |
| Deposit Growth (YoY) | -22.22% | -26.71% | -19.80% | -15.09% | -11.24% | -9.38% | -9.81% | -10.94% | +415 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 | 0.33% | 0.20% | 1.04% | 0.98% | -0.03% | 0.06% | -0.07% | -0.10% | -108 bps | |
| Allowance / Loans | 3.12% | 3.23% | 2.56% | 2.05% | 2.09% | 2.09% | 1.88% | 1.79% | -26 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 | 12.33% | 12.36% | 13.09% | 13.48% | 14.16% | 14.93% | 15.79% | 15.88% | +239 bps | |
| Equity / Assets | 7.12% | 6.67% | 7.00% | 6.81% | 7.36% | 7.86% | 8.44% | 7.99% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.31% | 61.88% | 63.86% | 59.64% | 60.56% | 63.10% | 64.86% | 61.62% | +199 bps | |
| Liquid Assets / Assets | 3.79% | 1.75% | 2.07% | 4.31% | 8.05% | 7.48% | 5.86% | 8.23% | +392 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |