Winchester, KY · Cert 29313
FDIC · 2 branches
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 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.
Winchester, KY · Cert 29313
FDIC · 2 branches
Q3 2020
Market Position · Lexington-Fayette, KY · 2020 SOD (annual) · 0.8% share · #21 of 37 inst. · $0.1B of $12.7B
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.19% | 1.27% | 1.13% | 1.20% | 1.41% | 1.27% | 1.31% | +18 bps | |
| Return on Equity | 9.75% | 9.03% | 9.47% | 8.50% | 9.09% | 10.80% | 9.84% | 10.05% | +156 bps | |
| Net Interest Margin | 3.28% | 3.22% | 3.19% | 3.21% | 3.09% | 3.15% | 3.14% | 3.15% | -6 bps | |
| Efficiency Ratio | 61.69% | 62.79% | 60.33% | 64.06% | 61.89% | 56.14% | 55.92% | 55.04% | -902 bps | |
| Non-Interest Burden | 1.96% | 1.98% | 1.87% | 2.01% | 1.87% | 1.72% | 1.71% | 1.66% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.26% | 3.39% | -2.06% | 7.55% | 2.92% | 5.67% | 10.90% | 1.43% | -612 bps | |
| Loan Growth (YoY) | 1.78% | 2.26% | -1.41% | 2.93% | 6.45% | 5.39% | 11.32% | 3.71% | +78 bps | |
| Deposit Growth (YoY) | -6.75% | -3.88% | -0.92% | 4.35% | 3.15% | -0.33% | 3.21% | 4.39% | +4 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.41% | 0.84% | 0.97% | 0.87% | 0.94% | 1.01% | 0.96% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | -0.01% | -0.01% | 0.00% | 0.00% | 0.03% | 0.01% | 0.02% | +2 bps | |
| Allowance / Loans | 0.96% | 0.95% | 0.96% | 0.92% | 0.90% | 0.89% | 0.93% | 0.99% | +7 bps | |
| Allowance Coverage of NPLs | 1.6x | 2.3x | 1.1x | 1.0x | 1.0x | 0.9x | 0.9x | 1.0x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.80% | 13.91% | 14.06% | 13.96% | 13.54% | 13.73% | 13.42% | 13.54% | -42 bps | |
| Total Risk-Based Capital | 23.08% | 22.72% | 22.94% | 22.45% | 21.25% | 13.73% | 13.42% | 13.54% | -891 bps | |
| Equity / Assets | 12.80% | 13.58% | 13.80% | 13.12% | 12.82% | 13.26% | 12.73% | 13.36% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 123.21% | 123.62% | 121.45% | 124.46% | 127.15% | 130.71% | 131.00% | 123.65% | -81 bps | |
| Liquid Assets / Assets | 4.17% | 6.56% | 7.43% | 8.20% | 3.09% | 7.24% | 7.99% | 7.74% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |