Louisville, KY · Cert 34308
FDIC · 1 branch
Q1 2020
Market Position · Louisville/Jefferson County, KY-IN · 2019 SOD (annual) · 0.1% share · #34 of 41 inst. · $0.0B of $28.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.62% | -2.33% | -2.49% | -1.01% | -2.11% | +51 bps | |
| Return on Equity | -13.36% | -12.24% | -13.23% | -5.47% | -11.77% | +159 bps | |
| Net Interest Margin | 2.49% | 2.69% | 2.17% | 2.04% | 1.79% | -69 bps | |
| Efficiency Ratio | 196.11% | 175.24% | 184.90% | 128.21% | 194.00% | -211 bps | |
| Non-Interest Burden | 5.11% | 5.02% | 4.65% | 3.05% | 3.88% | -123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.68% | -0.23% | -2.96% | 0.47% | 2.07% | +576 bps | |
| Loan Growth (YoY) | 4.49% | -12.22% | -11.62% | -12.30% | -11.76% | -1,625 bps | |
| Deposit Growth (YoY) | -4.53% | -0.01% | -3.07% | 3.37% | 4.68% | +921 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.54% | 1.71% | 1.71% | 1.66% | 1.68% | +14 bps | |
| Net Charge-Offs / Loans | -0.12% | -0.43% | 0.07% | -0.10% | -0.16% | -5 bps | |
| Allowance / Loans | 1.05% | 1.32% | 1.32% | 1.30% | 1.36% | +31 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.8x | 0.8x | 0.8x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.54% | 18.81% | 18.46% | 18.18% | 17.17% | -237 bps | |
| Total Risk-Based Capital | 29.81% | 32.49% | 31.56% | 30.49% | 30.07% | +26 bps | |
| Equity / Assets | 19.24% | 18.88% | 18.81% | 18.23% | 17.61% | -162 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.88% | 56.86% | 57.96% | 57.68% | 54.69% | -1,019 bps | |
| Liquid Assets / Assets | 15.15% | 15.72% | 14.24% | 13.80% | 13.38% | -177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |