Mount Sterling, KY · Cert 31239
FDIC · 1 branch
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Mount Sterling, KY · Cert 31239
FDIC · 1 branch
Q1 2015
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.56% | -0.62% | -0.62% | -1.12% | -0.97% | -1.06% | -1.14% | -2.56% | -144 bps | |
| Return on Equity | -5.78% | -6.34% | -6.40% | -11.70% | -10.20% | -11.27% | -12.43% | -31.44% | -1,974 bps | |
| Net Interest Margin | 3.14% | 3.32% | 3.51% | 3.55% | 3.67% | 3.57% | 3.54% | 3.38% | -16 bps | |
| Efficiency Ratio | 115.20% | 116.64% | 116.38% | 130.17% | 124.22% | 126.43% | 128.61% | 166.49% | +3,632 bps | |
| Non-Interest Burden | 3.69% | 3.95% | 4.17% | 4.68% | 4.63% | 4.61% | 4.67% | 5.95% | +127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.69% | -6.86% | -3.29% | -7.96% | -4.70% | 0.10% | 1.41% | 1.28% | +923 bps | |
| Loan Growth (YoY) | -12.33% | -4.63% | 3.86% | 5.86% | 6.84% | 7.63% | 1.30% | -4.10% | -997 bps | |
| Deposit Growth (YoY) | 1.10% | -5.25% | -6.45% | -10.55% | -6.60% | -2.92% | -1.57% | -0.39% | +1,017 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.01% | 0.00% | 0.04% | 0.02% | 0.34% | 0.11% | +11 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.03% | 1.01% | 1.00% | 0.99% | 0.68% | 0.68% | -33 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.83% | n/a | n/a |
| Total Risk-Based Capital | 16.39% | 16.40% | 15.63% | 15.20% | 15.25% | 14.42% | 13.53% | 13.18% | -202 bps | |
| Equity / Assets | 9.70% | 9.89% | 9.72% | 9.47% | 9.34% | 8.93% | 8.46% | 7.85% | -161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.65% | 94.33% | 102.82% | 102.54% | 102.55% | 104.58% | 105.82% | 98.71% | -382 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |