Hopkinsville, KY · Cert 30090
FDIC · 18 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Hopkinsville, KY · Cert 30090
FDIC · 18 branches
Q2 2019
Market Position · Clarksville, TN-KY · 2019 SOD (annual) · 6.7% share · #8 of 16 inst. · $0.3B of $4.1B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.52% | 0.62% | 0.76% | 0.74% | 0.75% | 0.51% | 0.61% | -15 bps | |
| Return on Equity | 5.58% | 4.92% | 5.97% | 7.25% | 7.02% | 7.14% | 4.73% | 5.64% | -161 bps | |
| Net Interest Margin | 3.21% | 3.16% | 3.25% | 3.27% | 3.27% | 3.23% | 3.06% | 3.12% | -15 bps | |
| Efficiency Ratio | 79.27% | 78.67% | 80.61% | 79.29% | 79.18% | 78.07% | 83.83% | 81.05% | +176 bps | |
| Non-Interest Burden | 2.36% | 2.30% | 2.47% | 2.43% | 2.42% | 2.35% | 2.44% | 2.38% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.59% | 2.93% | -1.20% | 0.18% | 0.16% | 1.51% | 2.14% | 2.42% | +224 bps | |
| Loan Growth (YoY) | 7.58% | 5.23% | 7.25% | 5.81% | 6.06% | 3.28% | 0.55% | -0.47% | -628 bps | |
| Deposit Growth (YoY) | 2.66% | 2.89% | -2.48% | -1.67% | -0.56% | -1.82% | -0.65% | 0.30% | +197 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.21% | 0.30% | 0.24% | 0.27% | 0.22% | 0.16% | 0.22% | -1 bps | |
| Net Charge-Offs / Loans | 0.37% | 0.27% | 0.14% | 0.09% | 0.09% | 0.09% | 0.03% | 0.02% | -8 bps | |
| Allowance / Loans | 0.76% | 0.75% | 0.70% | 0.68% | 0.68% | 0.68% | 0.68% | 0.68% | -1 bps | |
| Allowance Coverage of NPLs | 2.8x | 3.5x | 2.3x | 2.9x | 2.5x | 3.2x | 4.3x | 3.0x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.63% | 10.54% | 10.33% | 10.52% | 10.73% | 10.94% | 10.72% | 10.91% | +38 bps | |
| Total Risk-Based Capital | 16.00% | 15.89% | 15.16% | 15.31% | 15.75% | 16.02% | 14.88% | 15.06% | -24 bps | |
| Equity / Assets | 10.76% | 10.57% | 10.34% | 10.46% | 10.63% | 10.73% | 10.66% | 10.99% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.28% | 85.25% | 89.34% | 92.32% | 92.02% | 89.67% | 90.41% | 91.60% | -71 bps | |
| Liquid Assets / Assets | 1.09% | 0.78% | 0.34% | 0.28% | 0.95% | 1.69% | 1.27% | 1.78% | +150 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |