Mount Sterling, KY · Cert 31239
FDIC · 1 branch
Q1 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.72% | -0.73% | -0.64% | -1.12% | -0.81% | -1.23% | -1.40% | -2.56% | -144 bps | |
| Return on Equity | -7.56% | -7.49% | -6.57% | -11.70% | -8.67% | -13.48% | -16.12% | -31.44% | -1,974 bps | |
| Net Interest Margin | 3.00% | 3.33% | 3.62% | 3.55% | 3.80% | 3.44% | 3.44% | 3.38% | -16 bps | |
| Efficiency Ratio | 120.33% | 119.57% | 115.66% | 130.17% | 119.02% | 130.89% | 135.05% | 166.49% | +3,632 bps | |
| Non-Interest Burden | 3.72% | 4.06% | 4.28% | 4.68% | 4.61% | 4.65% | 4.84% | 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 | -0.03% | 0.03% | -0.05% | 0.00% | 0.08% | -0.03% | 1.29% | 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 |