Elizabethtown, KY · Cert 33977
FDIC · 1 branch
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.
Elizabethtown, KY · Cert 33977
FDIC · 1 branch
Q4 2014
Market Position · Elizabethtown-Fort Knox, KY · 2014 SOD (annual) · 3.2% share · #11 of 17 inst. · $0.1B of $2.1B
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 | 0.19% | 0.28% | 0.27% | 0.28% | 0.17% | 0.28% | 0.30% | 0.39% | +10 bps | |
| Return on Equity | 1.85% | 2.69% | 2.58% | 2.73% | 1.71% | 2.69% | 2.92% | 3.70% | +97 bps | |
| Net Interest Margin | 3.05% | 3.27% | 3.32% | 3.25% | 3.26% | 3.31% | 3.28% | 3.28% | +4 bps | |
| Efficiency Ratio | 89.49% | 87.34% | 85.77% | 84.47% | 90.14% | 87.80% | 87.32% | 84.69% | +22 bps | |
| Non-Interest Burden | 2.66% | 2.76% | 2.74% | 2.63% | 2.89% | 2.84% | 2.80% | 2.68% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.51% | -7.13% | -6.15% | -8.82% | 2.16% | 6.07% | 6.37% | 0.19% | +900 bps | |
| Loan Growth (YoY) | 5.76% | 3.73% | 7.97% | 7.52% | 11.26% | 9.18% | 7.43% | 7.83% | +31 bps | |
| Deposit Growth (YoY) | 2.53% | -7.44% | -6.23% | -11.52% | -1.72% | 3.36% | 3.57% | -2.09% | +943 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% | 0.07% | 0.36% | 0.31% | 0.12% | 0.09% | 0.09% | 0.05% | -26 bps | |
| Allowance / Loans | 1.77% | 1.74% | 1.54% | 1.62% | 1.56% | 1.54% | 1.47% | 1.49% | -13 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 | 18.22% | 17.96% | 17.09% | 17.24% | 16.95% | 16.84% | 16.53% | 16.67% | -58 bps | |
| Equity / Assets | 10.87% | 10.83% | 10.51% | 10.09% | 10.24% | 10.61% | 10.48% | 11.08% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.96% | 83.56% | 85.43% | 84.10% | 87.12% | 88.27% | 88.62% | 92.62% | +852 bps | |
| Liquid Assets / Assets | 9.23% | 3.17% | 3.08% | 7.46% | 6.37% | 5.34% | 5.82% | 2.03% | -543 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |