Owensboro, KY · Cert 34524
FDIC · 11 branches
Q3 2018
Market Position · Owensboro, KY · 2018 SOD (annual) · 5.1% share · #6 of 15 inst. · $0.2B of $3.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.60% | 0.31% | 0.40% | 0.56% | 0.59% | 0.58% | 0.14% | -25 bps | |
| Return on Equity | 2.75% | 6.70% | 3.35% | 4.20% | 5.74% | 5.97% | 5.73% | 1.40% | -280 bps | |
| Net Interest Margin | 3.31% | 3.20% | 3.22% | 3.03% | 3.10% | 2.92% | 3.00% | 2.91% | -12 bps | |
| Efficiency Ratio | 74.99% | 70.89% | 72.67% | 76.57% | 78.11% | 79.68% | 76.21% | 93.22% | +1,665 bps | |
| Non-Interest Burden | 2.33% | 2.08% | 2.22% | 2.23% | 2.36% | 2.27% | 2.20% | 2.72% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.79% | 2.04% | 2.00% | 6.09% | -6.51% | -3.32% | -4.05% | -4.40% | -1,049 bps | |
| Loan Growth (YoY) | -7.79% | -10.96% | -10.26% | -5.54% | -9.18% | -7.81% | -3.94% | -5.30% | +24 bps | |
| Deposit Growth (YoY) | 9.52% | 5.11% | 3.33% | 1.28% | -5.63% | -6.94% | -10.93% | -9.07% | -1,034 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 2.40% | 2.58% | 2.36% | 2.15% | 2.19% | 1.93% | 1.93% | -43 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.02% | 0.06% | 0.97% | 0.46% | 0.08% | 0.62% | 0.11% | -86 bps | |
| Allowance / Loans | 1.29% | 1.42% | 1.66% | 1.52% | 1.42% | 1.41% | 1.26% | 1.27% | -25 bps | |
| Allowance Coverage of NPLs | n/a | 0.6x | 0.6x | 0.6x | 0.7x | 0.6x | 0.7x | 0.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.03% | 8.49% | 8.74% | 8.93% | 9.06% | 9.44% | 9.59% | 9.75% | +81 bps | |
| Total Risk-Based Capital | 13.42% | 14.21% | 14.44% | 14.51% | 14.78% | 15.07% | 14.98% | 15.52% | +101 bps | |
| Equity / Assets | 8.64% | 9.27% | 9.31% | 9.61% | 9.74% | 9.99% | 10.14% | 10.41% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.01% | 88.78% | 87.09% | 89.33% | 89.52% | 87.95% | 93.93% | 93.04% | +370 bps | |
| Liquid Assets / Assets | 15.66% | 14.20% | 16.81% | 15.78% | 17.11% | 17.55% | 16.52% | 17.23% | +145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |