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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.19% | 1.36% | 0.88% | 1.41% | 1.41% | 1.15% | 1.37% | +49 bps | |
| Return on Equity | 9.96% | 9.03% | 9.90% | 6.55% | 10.86% | 10.80% | 8.87% | 10.49% | +394 bps | |
| Net Interest Margin | 3.18% | 3.22% | 3.15% | 3.27% | 3.19% | 3.15% | 3.22% | 3.17% | -10 bps | |
| Efficiency Ratio | 59.16% | 62.79% | 57.82% | 71.34% | 55.59% | 56.14% | 55.70% | 53.34% | -1,800 bps | |
| Non-Interest Burden | 1.81% | 1.98% | 1.76% | 2.30% | 1.72% | 1.72% | 1.75% | 1.59% | -71 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 | 0.10% | -0.01% | 0.00% | 0.01% | 0.01% | 0.03% | 0.00% | 0.02% | +1 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 |