New Albany, IN · Cert 28915
FDIC · 35 branches
Q2 2016
Market Position · Louisville/Jefferson County, KY-IN · 2016 SOD (annual) · 3.0% share · #8 of 40 inst. · $0.8B of $25.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.40% | 0.50% | 1.04% | 1.50% | 1.23% | 1.16% | 1.20% | +16 bps | |
| Return on Equity | 12.70% | 11.44% | 4.33% | 9.34% | 13.01% | 11.10% | 10.98% | 10.95% | +161 bps | |
| Net Interest Margin | 3.82% | 4.11% | 3.48% | 3.68% | 4.28% | 3.76% | 3.53% | 3.54% | -13 bps | |
| Efficiency Ratio | 61.39% | 55.52% | 86.32% | 56.47% | 64.61% | 61.96% | 65.53% | 64.90% | +843 bps | |
| Non-Interest Burden | 2.03% | 1.99% | 2.98% | 1.81% | 2.49% | 2.14% | 2.12% | 2.01% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.60% | 4.24% | 107.55% | 95.84% | 114.23% | 108.18% | 3.91% | 5.52% | -9,032 bps | |
| Loan Growth (YoY) | 9.22% | 8.59% | 85.87% | 80.20% | 97.82% | 94.42% | 13.82% | 17.40% | -6,279 bps | |
| Deposit Growth (YoY) | 2.51% | 3.07% | 123.43% | 107.58% | 128.18% | 129.62% | 1.46% | 3.79% | -10,379 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 | 0.60% | 1.49% | -0.28% | 0.52% | 0.69% | -0.04% | 0.25% | 0.01% | -51 bps | |
| Allowance / Loans | 1.36% | 1.06% | 0.69% | 0.79% | 0.63% | 0.67% | 0.59% | 0.61% | -18 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 | 9.83% | 10.43% | 10.97% | 9.66% | 9.73% | 10.11% | -32 bps | |
| Total Risk-Based Capital | 16.41% | 18.09% | 14.34% | 15.06% | 15.59% | 15.00% | 14.90% | 15.18% | +12 bps | |
| Equity / Assets | 11.43% | 13.03% | 10.96% | 11.37% | 11.67% | 10.48% | 10.70% | 11.28% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.32% | 95.06% | 75.24% | 77.66% | 80.90% | 80.49% | 84.40% | 87.85% | +1,019 bps | |
| Liquid Assets / Assets | 0.43% | 0.56% | 3.30% | 1.02% | 0.57% | 0.45% | 1.22% | 0.53% | -49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |