Newport, KY · Cert 33846
FDIC · 7 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Newport, KY · Cert 33846
FDIC · 7 branches
Q4 2016
Market Position · Cincinnati, OH-KY-IN · 2016 SOD (annual) · 0.2% share · #20 of 67 inst. · $0.2B of $106.8B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.31% | 0.47% | 0.48% | 0.38% | 0.53% | 0.59% | 0.50% | +2 bps | |
| Return on Equity | 5.86% | 3.05% | 4.55% | 4.66% | 3.52% | 4.95% | 5.41% | 4.65% | -2 bps | |
| Net Interest Margin | 3.04% | 3.10% | 3.24% | 3.34% | 3.15% | 3.17% | 3.17% | 3.35% | +1 bps | |
| Efficiency Ratio | 88.45% | 90.36% | 87.77% | 87.98% | 89.95% | 89.08% | 94.85% | 93.25% | +527 bps | |
| Non-Interest Burden | 2.59% | 2.72% | 2.73% | 2.83% | 2.75% | 2.73% | 2.95% | 3.06% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.96% | -0.05% | 0.08% | -3.56% | -4.54% | -1.27% | -4.24% | -4.33% | -77 bps | |
| Loan Growth (YoY) | -6.19% | -4.07% | -3.62% | -2.12% | -1.19% | -1.44% | -1.95% | -1.33% | +79 bps | |
| Deposit Growth (YoY) | 0.55% | 0.01% | 0.45% | -4.98% | -6.17% | -1.96% | 2.82% | 3.11% | +809 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 | 0.08% | 0.04% | 0.03% | 0.03% | 0.17% | 0.10% | 0.07% | 0.05% | +2 bps | |
| Allowance / Loans | 1.56% | 1.74% | 1.64% | 1.53% | 1.45% | 1.28% | 1.21% | 1.30% | -23 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 | 9.72% | 9.89% | 10.31% | 10.79% | 10.67% | 10.25% | 10.43% | 10.68% | -11 bps | |
| Total Risk-Based Capital | 15.39% | 15.23% | 15.51% | 15.67% | 16.02% | 15.82% | 16.43% | 16.40% | +73 bps | |
| Equity / Assets | 9.95% | 10.28% | 10.83% | 10.65% | 10.86% | 10.65% | 11.15% | 10.28% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.91% | 74.55% | 76.77% | 73.79% | 74.67% | 74.94% | 73.21% | 70.62% | -317 bps | |
| Liquid Assets / Assets | 5.09% | 4.87% | 4.83% | 5.42% | 7.06% | 5.63% | 6.58% | 6.57% | +115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |