Versailles, KY · Cert 34256
FDIC · 5 branches
Q4 2022
Market Position · Lexington-Fayette, KY · 2022 SOD (annual) · 1.7% share · #14 of 39 inst. · $0.3B of $16.2B
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.48% | 0.87% | 0.92% | 0.94% | 1.01% | -47 bps | |
| Return on Equity | 14.49% | 8.50% | 9.13% | 9.55% | 10.32% | -417 bps | |
| Net Interest Margin | 4.01% | 3.16% | 3.22% | 3.17% | 3.25% | -76 bps | |
| Efficiency Ratio | 57.11% | 67.55% | 66.37% | 65.77% | 64.41% | +730 bps | |
| Non-Interest Burden | 2.00% | 1.95% | 1.95% | 1.91% | 1.92% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.93% | 4.20% | 9.16% | 12.73% | 7.09% | +217 bps | |
| Loan Growth (YoY) | 9.07% | 3.32% | 15.19% | 13.68% | 12.68% | +361 bps | |
| Deposit Growth (YoY) | 3.95% | 3.75% | 8.84% | 16.08% | 9.57% | +562 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.19% | 0.08% | 0.19% | 0.17% | 0.76% | +57 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.14% | -0.09% | -0.07% | -4 bps | |
| Allowance / Loans | 1.21% | 1.23% | 1.23% | 1.21% | 1.19% | -2 bps | |
| Allowance Coverage of NPLs | 6.4x | 15.1x | 6.4x | 7.2x | 1.6x | -4.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.63% | 10.54% | 10.58% | 10.34% | 10.48% | -15 bps | |
| Total Risk-Based Capital | 10.63% | 10.54% | 10.58% | 10.34% | 10.48% | -15 bps | |
| Equity / Assets | 10.49% | 9.94% | 9.70% | 9.31% | 9.54% | -95 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.83% | 83.34% | 87.04% | 82.24% | 88.27% | +244 bps | |
| Liquid Assets / Assets | 6.03% | 13.68% | 15.75% | 17.13% | 11.54% | +551 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |