Elizabethtown, KY · Cert 34572
FDIC · 3 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Elizabethtown, KY · Cert 34572
FDIC · 3 branches
Q4 2016
Market Position · Elizabethtown-Fort Knox, KY · 2016 SOD (annual) · 5.1% share · #9 of 17 inst. · $0.1B of $2.1B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.79% | 0.75% | 0.73% | 0.57% | 0.79% | 0.89% | 0.44% | -29 bps | |
| Return on Equity | 7.30% | 7.19% | 6.90% | 6.67% | 5.24% | 7.11% | 7.93% | 3.75% | -292 bps | |
| Net Interest Margin | 3.92% | 3.93% | 3.84% | 3.74% | 3.69% | 3.69% | 3.63% | 3.78% | +4 bps | |
| Efficiency Ratio | 72.23% | 72.70% | 74.49% | 75.84% | 79.33% | 75.17% | 73.26% | 86.37% | +1,054 bps | |
| Non-Interest Burden | 2.57% | 2.61% | 2.61% | 2.61% | 2.79% | 2.53% | 2.34% | 2.99% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.63% | 3.07% | 4.40% | 2.00% | 1.62% | 1.19% | -1.95% | -1.58% | -357 bps | |
| Loan Growth (YoY) | 2.78% | 5.34% | 0.88% | 0.01% | -2.47% | -3.76% | -1.80% | -3.14% | -315 bps | |
| Deposit Growth (YoY) | -2.02% | 7.25% | 5.15% | 3.04% | 1.03% | 0.39% | -0.45% | 1.91% | -112 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 | 0.14% | 0.13% | 0.09% | 0.10% | 0.07% | 0.04% | 0.10% | 0.11% | +1 bps | |
| Allowance / Loans | 1.32% | 1.33% | 1.35% | 1.32% | 1.40% | 1.40% | 1.31% | 0.03% | -129 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 | 10.70% | 10.82% | 10.88% | 10.44% | 10.67% | 10.98% | 10.96% | 11.29% | +85 bps | |
| Total Risk-Based Capital | 11.14% | 11.31% | 13.61% | 13.38% | 14.21% | 14.33% | 13.60% | 13.37% | -1 bps | |
| Equity / Assets | 11.00% | 11.15% | 10.85% | 10.79% | 11.03% | 11.52% | 11.31% | 14.34% | +355 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.61% | 99.80% | 96.72% | 97.04% | 93.27% | 95.68% | 95.41% | 92.23% | -481 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.24% | 0.11% | 1.75% | 0.23% | 0.12% | 0.17% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |