Louisville, KY · Cert 34125
FDIC · 10 branches
Q1 2017
Market Position · Louisville/Jefferson County, KY-IN · 2016 SOD (annual) · 1.5% share · #13 of 40 inst. · $0.4B of $25.2B
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.66% | 0.65% | 0.66% | 0.38% | -30 bps | |
| Return on Equity | 7.36% | 7.12% | 7.06% | 7.09% | 4.17% | -319 bps | |
| Net Interest Margin | 3.13% | 3.14% | 3.08% | 3.06% | 3.04% | -9 bps | |
| Efficiency Ratio | 74.74% | 75.54% | 75.76% | 75.78% | 83.88% | +914 bps | |
| Non-Interest Burden | 2.15% | 2.21% | 2.17% | 2.15% | 2.48% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.99% | 1.53% | 4.77% | 2.50% | 2.36% | +335 bps | |
| Loan Growth (YoY) | -0.58% | 4.00% | 6.62% | 5.08% | 7.07% | +765 bps | |
| Deposit Growth (YoY) | 8.93% | 11.71% | 12.34% | 8.47% | 0.50% | -843 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 0.57% | 0.57% | 0.55% | 0.55% | 0.54% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.4x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.35% | 9.31% | 9.31% | 9.41% | 9.35% | 0 bps | |
| Total Risk-Based Capital | 11.74% | 11.67% | 11.49% | 11.82% | 11.51% | -23 bps | |
| Equity / Assets | 9.23% | 9.28% | 9.14% | 9.30% | 9.14% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.38% | 106.62% | 109.02% | 109.91% | 113.33% | +695 bps | |
| Liquid Assets / Assets | 1.94% | 1.53% | 2.29% | 2.33% | 0.92% | -102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |