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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.53% | 0.69% | 0.68% | 0.64% | 0.64% | 0.66% | 0.38% | -30 bps | |
| Return on Equity | 6.97% | 5.74% | 7.48% | 7.36% | 6.89% | 6.97% | 7.16% | 4.17% | -319 bps | |
| Net Interest Margin | 3.13% | 3.12% | 3.17% | 3.13% | 3.16% | 3.06% | 3.08% | 3.04% | -9 bps | |
| Efficiency Ratio | 74.57% | 76.81% | 75.80% | 74.74% | 76.35% | 76.21% | 75.83% | 83.88% | +914 bps | |
| Non-Interest Burden | 2.20% | 2.29% | 2.28% | 2.15% | 2.27% | 2.18% | 2.15% | 2.48% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.42% | -1.86% | 0.29% | -0.99% | 1.53% | 4.77% | 2.50% | 2.36% | +335 bps | |
| Loan Growth (YoY) | 1.64% | -1.04% | 0.47% | -0.58% | 4.00% | 6.62% | 5.08% | 7.07% | +765 bps | |
| Deposit Growth (YoY) | -11.31% | -4.85% | -3.64% | 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% | 0.00% | 0.00% | 0.00% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.11% | -0.03% | 0.00% | 0.00% | -0.02% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.59% | 0.57% | 0.57% | 0.57% | 0.57% | 0.55% | 0.55% | 0.54% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.4x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.14% | 9.30% | 9.45% | 9.35% | 9.31% | 9.31% | 9.41% | 9.35% | 0 bps | |
| Total Risk-Based Capital | 11.54% | 11.64% | 11.78% | 11.74% | 11.67% | 11.49% | 11.82% | 11.51% | -23 bps | |
| Equity / Assets | 9.07% | 9.23% | 9.25% | 9.23% | 9.28% | 9.14% | 9.30% | 9.14% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.52% | 114.87% | 113.45% | 106.38% | 106.62% | 109.02% | 109.91% | 113.33% | +695 bps | |
| Liquid Assets / Assets | 2.35% | 2.14% | 2.48% | 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 | n/a | n/a | n/a |