Lawrenceburg, IN · Cert 29926
FDIC · 1 branch
Q1 2020
Market Position · Cincinnati, OH-KY-IN · 2019 SOD (annual) · 0.1% share · #35 of 62 inst. · $0.1B of $139.0B
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.88% | 0.82% | 0.65% | 0.71% | 0.70% | 0.64% | -3.20% | -384 bps | |
| Return on Equity | 8.28% | 7.21% | 6.73% | 5.93% | 6.75% | 6.79% | 6.20% | -32.72% | -3,864 bps | |
| Net Interest Margin | 2.88% | 2.77% | 2.80% | 2.87% | 2.75% | 2.76% | 2.72% | 1.76% | -111 bps | |
| Efficiency Ratio | 60.66% | 65.67% | 67.96% | 78.52% | 74.73% | 73.87% | 73.67% | 321% | +24,219 bps | |
| Non-Interest Burden | 1.47% | 1.59% | 1.70% | 2.18% | 1.95% | 1.92% | 1.90% | 6.37% | +419 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.41% | 2.79% | 8.59% | 13.34% | 10.04% | 7.76% | 5.17% | 1.36% | -1,198 bps | |
| Loan Growth (YoY) | 9.24% | 9.48% | 12.24% | 16.26% | 5.73% | 3.52% | 0.40% | -6.20% | -2,245 bps | |
| Deposit Growth (YoY) | -2.67% | 1.45% | 8.83% | 17.48% | 19.05% | 14.29% | 10.54% | 2.06% | -1,541 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.16% | 0.13% | 0.00% | 0.13% | 0.21% | 0.16% | 0.14% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.89% | 0.89% | 0.88% | 0.87% | 0.88% | 0.89% | 0.91% | 0.93% | +7 bps | |
| Allowance Coverage of NPLs | 7.3x | 5.6x | 6.7x | n/a | 6.6x | 4.3x | 5.6x | 6.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.43% | 12.15% | 12.32% | 10.12% | 9.75% | 9.91% | 10.00% | 9.35% | -77 bps | |
| Total Risk-Based Capital | 18.82% | 18.84% | 19.92% | 16.45% | 16.54% | 17.06% | 16.67% | 9.35% | -710 bps | |
| Equity / Assets | 11.95% | 12.14% | 11.97% | 9.90% | 9.62% | 10.02% | 10.10% | 9.44% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.96% | 104.01% | 100.97% | 98.35% | 92.33% | 94.21% | 91.70% | 90.39% | -796 bps | |
| Liquid Assets / Assets | 8.08% | 8.33% | 8.69% | 8.71% | 13.02% | 11.72% | 10.98% | 11.62% | +292 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |