Dry Ridge, KY · Cert 33022
FDIC · 32 branches
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.
Dry Ridge, KY · Cert 33022
FDIC · 32 branches
Q1 2015
Market Position · Cincinnati, OH-KY-IN · 2014 SOD (annual) · 2.0% share · #7 of 70 inst. · $1.6B of $79.0B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.07% | 1.12% | 1.04% | 1.08% | 1.10% | 1.09% | 0.94% | -10 bps | |
| Return on Equity | 9.46% | 10.17% | 10.65% | 9.54% | 9.84% | 9.85% | 9.68% | 8.14% | -140 bps | |
| Net Interest Margin | 3.08% | 3.14% | 3.04% | 3.02% | 3.05% | 3.07% | 3.01% | 2.89% | -14 bps | |
| Efficiency Ratio | 58.52% | 57.98% | 57.34% | 60.24% | 59.61% | 59.92% | 60.97% | 66.37% | +612 bps | |
| Non-Interest Burden | 1.31% | 1.30% | 1.22% | 1.37% | 1.34% | 1.36% | 1.38% | 1.53% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.70% | 4.67% | 0.73% | 1.95% | 5.15% | 1.35% | 3.97% | 2.28% | +33 bps | |
| Loan Growth (YoY) | 3.25% | 2.14% | 3.39% | 5.52% | 6.80% | 6.50% | 0.66% | 0.89% | -463 bps | |
| Deposit Growth (YoY) | 3.55% | 4.03% | 1.20% | 1.45% | 4.47% | -1.41% | 1.83% | 0.91% | -54 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 | 0.59% | 0.46% | 0.40% | 0.27% | 0.29% | 0.27% | 0.31% | 0.44% | +17 bps | |
| Allowance / Loans | 1.39% | 1.38% | 1.30% | 1.29% | 1.28% | 1.24% | 1.16% | 1.03% | -26 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 | 10.42% | n/a | n/a |
| Total Risk-Based Capital | 13.28% | 13.47% | 13.37% | 13.38% | 13.63% | 13.78% | 13.82% | 12.92% | -46 bps | |
| Equity / Assets | 10.67% | 10.78% | 10.72% | 11.02% | 11.33% | 11.72% | 11.33% | 11.76% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.26% | 78.59% | 78.77% | 79.93% | 81.03% | 84.89% | 77.87% | 79.91% | -2 bps | |
| Liquid Assets / Assets | 5.13% | 4.90% | 4.83% | 4.19% | 4.23% | 4.32% | 5.42% | 4.68% | +49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |