Richmond, KY · Cert 34306
FDIC · 3 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Richmond, KY · Cert 34306
FDIC · 3 branches
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.29% | 0.22% | 0.12% | 0.15% | 0.43% | 0.53% | 0.52% | +40 bps | |
| Return on Equity | 4.17% | 3.05% | 2.35% | 1.27% | 1.54% | 4.42% | 5.17% | 4.92% | +365 bps | |
| Net Interest Margin | 3.89% | 3.82% | 3.70% | 3.75% | 3.71% | 3.71% | 3.51% | 3.56% | -20 bps | |
| Efficiency Ratio | 86.56% | 87.52% | 92.57% | 95.40% | 94.55% | 90.51% | 81.65% | 81.94% | -1,346 bps | |
| Non-Interest Burden | 3.11% | 3.13% | 3.37% | 3.55% | 3.47% | 3.28% | 2.70% | 2.76% | -79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.36% | 3.66% | 1.79% | -1.76% | -2.36% | -3.14% | -0.07% | -2.81% | -105 bps | |
| Loan Growth (YoY) | 3.23% | 8.00% | 7.41% | 8.04% | 1.76% | 1.64% | 1.69% | -4.54% | -1,258 bps | |
| Deposit Growth (YoY) | 0.03% | 4.53% | 1.93% | -3.63% | -4.37% | -5.46% | -3.18% | -7.06% | -343 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.67% | 0.47% | -0.07% | 0.11% | 0.18% | 0.21% | -0.13% | -0.15% | -26 bps | |
| Allowance / Loans | 2.60% | 2.57% | 2.65% | 2.47% | 2.45% | 2.02% | 2.09% | 2.19% | -28 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | 10.42% | 10.79% | n/a | |
| Total Risk-Based Capital | 14.56% | 14.51% | 15.02% | 15.36% | 15.86% | 15.98% | 16.32% | 17.15% | +179 bps | |
| Equity / Assets | 9.56% | 9.21% | 9.67% | 9.81% | 9.97% | 10.19% | 10.47% | 10.87% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.50% | 77.28% | 77.06% | 82.82% | 80.34% | 83.08% | 80.93% | 85.07% | +225 bps | |
| Liquid Assets / Assets | 3.20% | 2.37% | 2.45% | 1.82% | 3.31% | 2.65% | 2.45% | 2.52% | +70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |