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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.17% | 0.38% | 0.35% | 0.64% | +31 bps | |
| Return on Equity | 3.21% | 1.71% | 3.66% | 3.36% | 5.94% | +273 bps | |
| Net Interest Margin | 3.25% | 3.26% | 3.33% | 3.30% | 3.34% | +8 bps | |
| Efficiency Ratio | 80.70% | 90.14% | 85.52% | 86.35% | 77.63% | -307 bps | |
| Non-Interest Burden | 2.46% | 2.89% | 2.76% | 2.77% | 2.39% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.82% | 2.16% | 6.07% | 6.37% | 0.19% | +900 bps | |
| Loan Growth (YoY) | 7.52% | 11.26% | 9.18% | 7.43% | 7.83% | +31 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.12% | 0.07% | 0.09% | -0.06% | -21 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.24% | 16.95% | 16.84% | 16.53% | 16.67% | -58 bps | |
| Equity / Assets | 10.09% | 10.24% | 10.61% | 10.48% | 11.08% | +100 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.10% | 87.12% | 88.27% | 88.62% | 92.62% | +852 bps | |
| Liquid Assets / Assets | 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 |