Ashland, KY · Cert 29877
FDIC · 9 branches
Q3 2018
Market Position · Huntington-Ashland, WV-KY-OH · 2018 SOD (annual) · 4.4% share · #10 of 26 inst. · $0.3B of $5.7B
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.49% | 0.51% | 0.38% | -0.51% | 0.34% | 0.56% | 0.73% | +35 bps | |
| Return on Equity | 3.62% | 3.51% | 3.63% | 2.71% | -3.68% | 2.71% | 4.44% | 5.80% | +310 bps | |
| Net Interest Margin | 3.63% | 3.59% | 3.59% | 3.57% | 3.57% | 3.56% | 3.50% | 3.53% | -4 bps | |
| Efficiency Ratio | 76.22% | 75.35% | 75.14% | 75.68% | 91.39% | 79.28% | 70.68% | 68.53% | -715 bps | |
| Non-Interest Burden | 2.61% | 2.57% | 2.55% | 2.55% | 3.19% | 2.68% | 2.28% | 2.20% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | 5.75% | 2.24% | 2.58% | -2.50% | -2.26% | -2.16% | -4.26% | -684 bps | |
| Loan Growth (YoY) | 9.64% | 4.18% | -1.32% | -0.94% | -3.86% | -2.50% | -3.91% | -6.04% | -510 bps | |
| Deposit Growth (YoY) | 9.55% | 9.93% | 7.31% | 3.03% | -1.10% | -0.40% | 0.63% | -2.00% | -503 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.55% | 1.71% | 1.33% | 1.91% | 2.31% | 2.37% | 2.04% | +72 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.28% | 0.21% | 0.32% | 0.36% | 0.29% | 0.79% | 1.21% | +89 bps | |
| Allowance / Loans | 0.68% | 0.72% | 0.79% | 0.94% | 1.40% | 1.49% | 1.40% | 0.98% | +4 bps | |
| Allowance Coverage of NPLs | n/a | 0.5x | 0.5x | 0.7x | 0.7x | 0.6x | 0.6x | 0.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.52% | 13.79% | 14.02% | 13.99% | 11.81% | 12.29% | 12.39% | 12.81% | -118 bps | |
| Total Risk-Based Capital | 21.01% | 21.48% | 21.83% | 21.70% | 19.10% | 19.10% | 19.51% | 20.06% | -164 bps | |
| Equity / Assets | 13.97% | 14.10% | 14.38% | 14.33% | 12.52% | 12.38% | 12.63% | 13.06% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.63% | 89.79% | 90.95% | 90.46% | 89.07% | 87.89% | 86.85% | 86.74% | -373 bps | |
| Liquid Assets / Assets | 4.93% | 6.49% | 5.95% | 5.65% | 4.74% | 5.46% | 6.21% | 5.52% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |