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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.02% | 0.80% | 0.54% | 0.38% | 0.68% | 0.69%1 | 0.23% | -30 bps | |
| Return on Equity | 5.86% | 0.22% | 7.56% | 5.00% | 3.52% | 6.34% | 6.36% | 2.19% | -281 bps | |
| Net Interest Margin | 3.04% | 3.11% | 3.38% | 3.31% | 3.15% | 3.18% | 3.16% | 3.41% | +10 bps | |
| Efficiency Ratio | 88.45% | 92.31% | 83.03% | 88.63% | 89.95% | 88.26% | 105.47% | 88.25% | -38 bps | |
| Non-Interest Burden | 2.59% | 2.81% | 2.63% | 2.84% | 2.75% | 2.69% | 3.40% | 2.91% | +7 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% | 0.00% | 0.03% | 0.03% | 0.17% | 0.03% | 0.00% | 0.01% | -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 |