Richmond, IN · Cert 28807
FDIC · 5 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Richmond, IN · Cert 28807
FDIC · 5 branches
Q1 2020
Market Position · Cincinnati, OH-KY-IN · 2019 SOD (annual) · 0.0% share · #52 of 62 inst. · $0.0B of $139.0B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.57% | 0.55% | 0.52% | 0.56% | 0.54% | 0.33% | -0.73% | -125 bps | |
| Return on Equity | 5.54% | 6.09% | 5.82% | 5.25% | 5.59% | 5.33% | 3.27% | -6.97% | -1,222 bps | |
| Net Interest Margin | 3.87% | 3.84% | 3.91% | 3.83% | 3.87% | 3.85% | 3.90% | 3.80% | -2 bps | |
| Efficiency Ratio | 69.80% | 69.38% | 70.64% | 74.89% | 73.92% | 74.25% | 80.54% | 86.99% | +1,210 bps | |
| Non-Interest Burden | 2.50% | 2.46% | 2.58% | 2.71% | 2.72% | 2.73% | 3.04% | 3.24% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.91% | 3.82% | 0.31% | -3.11% | -3.30% | -2.98% | -3.95% | -1.10% | +201 bps | |
| Loan Growth (YoY) | 6.64% | 4.14% | 0.67% | -0.49% | -2.51% | -2.56% | -0.95% | -0.66% | -16 bps | |
| Deposit Growth (YoY) | 2.25% | 1.46% | -4.20% | -4.68% | -4.24% | -3.91% | -6.27% | -3.79% | +90 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.63% | 0.60% | 0.76% | 0.67% | 1.25% | 1.39% | 1.69% | +93 bps | |
| Net Charge-Offs / Loans | 0.55% | 0.64% | 0.67% | 0.71% | 0.65% | 0.65% | 0.71% | 0.82% | +11 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.23% | 1.20% | 1.17% | 1.13% | 1.06% | 1.32% | +12 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.9x | 2.0x | 1.6x | 1.8x | 0.9x | 0.8x | 0.8x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.64% | 9.72% | 9.97% | 10.11% | 10.20% | 10.30% | 10.37% | 10.38% | +26 bps | |
| Total Risk-Based Capital | 13.22% | 13.49% | 14.00% | 14.04% | 14.16% | 14.36% | 14.17% | 14.14% | +10 bps | |
| Equity / Assets | 9.26% | 9.49% | 9.95% | 9.94% | 10.07% | 10.29% | 10.63% | 10.23% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.31% | 111.83% | 113.74% | 111.98% | 112.31% | 113.40% | 120.20% | 115.62% | +364 bps | |
| Liquid Assets / Assets | 3.27% | 2.94% | 2.09% | 3.04% | 4.50% | 4.19% | 1.32% | 4.71% | +167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |