Bardstown, KY · Cert 34432
FDIC · 2 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 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.
Bardstown, KY · Cert 34432
FDIC · 2 branches
Q1 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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.62% | 0.73% | 0.64% | 0.71% | 0.80% | 0.89% | 0.24% | -40 bps | |
| Return on Equity | 4.27% | 4.52% | 5.36% | 4.62% | 5.09% | 5.62% | 6.21% | 1.67% | -295 bps | |
| Net Interest Margin | 3.63% | 3.65% | 3.65% | 3.54% | 3.56% | 3.65% | 3.74% | 3.64% | +10 bps | |
| Efficiency Ratio | 64.18% | 64.83% | 62.83% | 71.81% | 69.35% | 67.22% | 64.97% | 68.84% | -297 bps | |
| Non-Interest Burden | 2.10% | 2.17% | 2.08% | 2.40% | 2.31% | 2.28% | 2.24% | 2.25% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.55% | 6.30% | 4.37% | -0.65% | 3.19% | -1.53% | 0.35% | -0.58% | +7 bps | |
| Loan Growth (YoY) | -6.52% | -6.59% | -5.48% | -6.82% | -3.39% | -0.15% | 1.41% | 1.58% | +840 bps | |
| Deposit Growth (YoY) | 5.50% | 10.09% | 5.44% | -0.87% | 2.88% | -4.90% | 1.18% | 1.58% | +245 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 | 0.80% | 0.73% | 0.57% | 0.29% | 1.68% | 1.12% | 0.81% | -1.37% | -166 bps | |
| Allowance / Loans | 1.47% | 1.48% | 1.54% | 1.60% | 0.93% | 0.96% | 1.03% | 1.15% | -46 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 | n/a | 14.36% | n/a | n/a |
| Total Risk-Based Capital | 22.00% | 22.13% | 22.44% | 22.94% | 23.06% | 22.86% | 22.67% | 18.88% | -406 bps | |
| Equity / Assets | 13.69% | 13.64% | 13.81% | 13.97% | 14.15% | 14.75% | 14.58% | 14.55% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.08% | 84.77% | 87.30% | 83.90% | 82.71% | 89.01% | 87.50% | 83.91% | 0 bps | |
| Liquid Assets / Assets | 3.49% | 3.29% | 5.05% | 4.90% | 5.43% | 6.11% | 5.41% | 4.37% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |