Owensboro, KY · Cert 33963
FDIC · 4 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Owensboro, KY · Cert 33963
FDIC · 4 branches
Q4 2014
Market Position · Owensboro, KY · 2014 SOD (annual) · 5.5% share · #6 of 15 inst. · $0.2B of $2.8B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.38% | 0.46% | 0.40% | 0.42% | 0.40% | 0.47% | 0.43% | +3 bps | |
| Return on Equity | 3.65% | 4.55% | 5.37% | 4.76% | 5.09% | 4.75% | 5.47% | 5.02% | +25 bps | |
| Net Interest Margin | 3.04% | 3.13% | 3.07% | 2.93% | 3.11% | 3.17% | 3.09% | 2.92% | -1 bps | |
| Efficiency Ratio | 89.10% | 86.63% | 84.09% | 85.99% | 85.10% | 85.56% | 83.04% | 84.19% | -180 bps | |
| Non-Interest Burden | 2.61% | 2.57% | 2.42% | 2.39% | 2.52% | 2.59% | 2.43% | 2.35% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 6.03% | 1.36% | -2.96% | -3.09% | -1.36% | -1.51% | 2.34% | +530 bps | |
| Loan Growth (YoY) | -8.02% | -4.22% | -3.65% | -2.30% | -0.93% | -1.80% | -4.22% | -0.88% | +142 bps | |
| Deposit Growth (YoY) | 5.17% | 7.12% | 2.15% | -2.14% | -4.13% | -1.97% | -1.31% | 1.19% | +333 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 | -0.04% | -0.05% | 0.15% | 0.17% | -0.01% | -0.03% | 0.09% | 0.12% | -4 bps | |
| Allowance / Loans | 2.15% | 2.16% | 1.99% | 1.97% | 1.99% | 2.02% | 1.96% | 1.86% | -11 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.30% | 17.12% | 17.14% | 17.33% | 18.20% | 18.32% | 18.64% | 17.91% | +59 bps | |
| Equity / Assets | 8.96% | 8.52% | 8.66% | 7.57% | 8.87% | 9.00% | 9.27% | 8.00% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.49% | 59.35% | 61.15% | 62.09% | 60.44% | 59.45% | 59.35% | 60.81% | -127 bps | |
| Liquid Assets / Assets | 16.47% | 16.71% | 15.08% | 24.40% | 16.19% | 14.34% | 12.44% | 22.95% | -145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |