Lawrenceburg, IN · Cert 29620
FDIC · 8 branches
Q2 2018
Market Position · Cincinnati, OH-KY-IN · 2018 SOD (annual) · 0.3% share · #15 of 64 inst. · $0.4B of $112.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.65% | 0.75% | 0.75% | 0.65% | 0.41% | 0.85% | 0.85% | +10 bps | |
| Return on Equity | 5.05% | 5.44% | 6.49% | 6.50% | 5.53% | 3.59% | 7.48% | 7.55% | +105 bps | |
| Net Interest Margin | 2.55% | 2.59% | 2.67% | 2.71% | 2.78% | 2.77% | 2.83% | 2.76% | +5 bps | |
| Efficiency Ratio | 79.00% | 73.89% | 71.67% | 71.33% | 77.28% | 68.43% | 70.62% | 70.60% | -73 bps | |
| Non-Interest Burden | 1.83% | 1.68% | 1.71% | 1.70% | 1.98% | 1.65% | 1.78% | 1.70% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.48% | 2.86% | 5.17% | 1.94% | 2.54% | 3.93% | 1.15% | 2.63% | +69 bps | |
| Loan Growth (YoY) | 3.65% | 4.80% | 4.10% | 5.48% | 4.57% | 5.46% | 5.39% | 8.38% | +290 bps | |
| Deposit Growth (YoY) | 2.23% | 4.17% | 7.68% | 3.70% | 4.09% | 4.83% | 1.89% | 3.63% | -7 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.09% | 1.03% | 0.69% | 0.36% | 0.21% | 0.17% | -85 bps | |
| Net Charge-Offs / Loans | 0.59% | -0.11% | 0.38% | 0.06% | 0.05% | 0.15% | 0.51% | -0.08% | -14 bps | |
| Allowance / Loans | 1.61% | 1.63% | 1.51% | 1.49% | 1.46% | 1.41% | 1.26% | 1.26% | -24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.4x | 1.5x | 2.1x | 3.9x | 6.0x | 7.2x | +5.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.42% | 11.34% | 11.23% | 11.13% | 11.24% | 10.98% | 11.13% | 11.19% | +6 bps | |
| Total Risk-Based Capital | 22.36% | 22.20% | 21.94% | 21.90% | 21.76% | 21.38% | 21.29% | 21.08% | -82 bps | |
| Equity / Assets | 12.06% | 11.72% | 11.39% | 11.72% | 11.65% | 11.47% | 11.23% | 11.27% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.74% | 62.84% | 61.07% | 62.79% | 63.03% | 63.22% | 63.17% | 65.67% | +288 bps | |
| Liquid Assets / Assets | 12.53% | 13.07% | 13.88% | 12.75% | 13.83% | 13.62% | 14.80% | 14.28% | +153 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |