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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.15% | 0.43% | 0.53% | 0.52% | +40 bps | |
| Return on Equity | 1.27% | 1.54% | 4.42% | 5.17% | 4.92% | +365 bps | |
| Net Interest Margin | 3.75% | 3.71% | 3.71% | 3.51% | 3.56% | -20 bps | |
| Efficiency Ratio | 95.40% | 94.55% | 90.51% | 81.65% | 81.94% | -1,346 bps | |
| Non-Interest Burden | 3.55% | 3.47% | 3.28% | 2.70% | 2.76% | -79 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.76% | -2.36% | -3.14% | -0.07% | -2.81% | -105 bps | |
| Loan Growth (YoY) | 8.04% | 1.76% | 1.64% | 1.69% | -4.54% | -1,258 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.18% | 0.21% | -0.13% | -0.15% | -26 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 10.42% | 10.79% | n/a | |
| Total Risk-Based Capital | 15.36% | 15.86% | 15.98% | 16.32% | 17.15% | +179 bps | |
| Equity / Assets | 9.81% | 9.97% | 10.19% | 10.47% | 10.87% | +106 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.82% | 80.34% | 83.08% | 80.93% | 85.07% | +225 bps | |
| Liquid Assets / Assets | 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 |