Louisville, KY · Cert 34153
FDIC · 3 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Louisville, KY · Cert 34153
FDIC · 3 branches
Q1 2017
Market Position · Louisville/Jefferson County, KY-IN · 2016 SOD (annual) · 0.6% share · #20 of 40 inst. · $0.1B 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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.46% | 0.43% | 0.46% | 0.46% | 0.54% | 0.59% | 0.57% | +11 bps | |
| Return on Equity | 3.99% | 3.54% | 3.30% | 3.36% | 3.38% | 3.88% | 4.27% | 4.01% | +65 bps | |
| Net Interest Margin | 3.47% | 3.40% | 3.30% | 3.28% | 3.34% | 3.38% | 3.33% | 3.45% | +18 bps | |
| Efficiency Ratio | 79.94% | 81.75% | 82.27% | 82.01% | 82.68% | 80.35% | 78.51% | 79.06% | -294 bps | |
| Non-Interest Burden | 2.62% | 2.63% | 2.57% | 2.48% | 2.57% | 2.49% | 2.39% | 2.55% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.27% | -2.97% | -2.81% | -3.68% | -2.56% | -6.21% | -0.93% | 2.23% | +591 bps | |
| Loan Growth (YoY) | -2.45% | -4.69% | -6.30% | -9.22% | -3.93% | 4.04% | 5.50% | 3.13% | +1,235 bps | |
| Deposit Growth (YoY) | -9.27% | -4.64% | -3.09% | -8.71% | -3.65% | -7.21% | -1.14% | 6.83% | +1,554 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.35% | +135 bps | |
| Net Charge-Offs / Loans | -0.17% | -0.20% | -0.11% | -0.06% | 0.03% | 0.01% | 0.03% | -0.05% | +1 bps | |
| Allowance / Loans | 0.99% | 1.09% | 1.07% | 1.10% | 1.06% | 1.02% | 0.99% | 1.03% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.8x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.47% | 10.41% | 10.37% | 10.99% | 11.03% | 11.32% | 11.28% | 11.54% | +56 bps | |
| Total Risk-Based Capital | 13.93% | 14.28% | 14.57% | 15.07% | 15.33% | 15.07% | 14.72% | 14.48% | -59 bps | |
| Equity / Assets | 13.14% | 12.94% | 13.38% | 13.92% | 13.89% | 14.29% | 14.09% | 14.24% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.16% | 85.56% | 87.67% | 93.86% | 89.90% | 95.94% | 93.56% | 90.62% | -324 bps | |
| Liquid Assets / Assets | 2.47% | 3.79% | 3.83% | 3.94% | 3.87% | 2.30% | 2.36% | 2.32% | -162 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |