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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.60% | -0.06% | -2.62% | -2.48% | -2.49% | -2.12% | -2.11% | +51 bps | |
| Return on Equity | -0.57% | -3.13% | -0.31% | -13.36% | -12.81% | -12.95% | -11.14% | -11.77% | +159 bps | |
| Net Interest Margin | 2.40% | 2.46% | 2.45% | 2.49% | 2.58% | 2.47% | 2.36% | 1.79% | -69 bps | |
| Efficiency Ratio | 102.31% | 113.82% | 101.20% | 196.11% | 184.97% | 184.95% | 168.60% | 194.00% | -211 bps | |
| Non-Interest Burden | 2.51% | 3.08% | 2.51% | 5.11% | 5.05% | 4.96% | 4.48% | 3.88% | -123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.41% | -7.15% | -6.46% | -3.68% | -0.23% | -2.96% | 0.47% | 2.07% | +576 bps | |
| Loan Growth (YoY) | -0.31% | -0.20% | -2.42% | 4.49% | -12.22% | -11.62% | -12.30% | -11.76% | -1,625 bps | |
| Deposit Growth (YoY) | -10.43% | -7.88% | -8.34% | -4.53% | -0.01% | -3.07% | 3.37% | 4.68% | +921 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 6.55% | 6.51% | 1.56% | 1.54% | 1.71% | 1.71% | 1.66% | 1.68% | +14 bps | |
| Net Charge-Offs / Loans | -0.13% | -0.15% | -0.06% | -0.12% | -0.28% | -0.17% | -0.15% | -0.16% | -5 bps | |
| Allowance / Loans | 1.04% | 1.10% | 1.01% | 1.05% | 1.32% | 1.32% | 1.30% | 1.36% | +31 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.6x | 0.7x | 0.8x | 0.8x | 0.8x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.45% | 19.78% | 19.95% | 19.54% | 18.81% | 18.46% | 18.18% | 17.17% | -237 bps | |
| Total Risk-Based Capital | 32.53% | 32.52% | 30.19% | 29.81% | 32.49% | 31.56% | 30.49% | 30.07% | +26 bps | |
| Equity / Assets | 19.65% | 19.26% | 20.00% | 19.24% | 18.88% | 18.81% | 18.23% | 17.61% | -162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.76% | 63.57% | 67.98% | 64.88% | 56.86% | 57.96% | 57.68% | 54.69% | -1,019 bps | |
| Liquid Assets / Assets | 18.63% | 19.05% | 18.82% | 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 | n/a | n/a | n/a |