Florence, KY · Cert 34863
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.40% | -0.92% | -1.23% | -0.92% | -0.93% | -0.90% | -0.85% | -0.10% | +82 bps | |
| Return on Equity | -15.46% | -10.14% | -13.42% | -9.73% | -9.84% | -9.49% | -8.97% | -1.05% | +868 bps | |
| Net Interest Margin | 3.46% | 3.59% | 3.77% | 3.15% | 3.19% | 3.30% | 3.49% | 3.41% | +26 bps | |
| Efficiency Ratio | 102.88% | 101.64% | 113.40% | 105.13% | 110.29% | 111.66% | 112.98% | 103.35% | -178 bps | |
| Non-Interest Burden | 3.57% | 3.66% | 4.29% | 3.39% | 3.65% | 3.83% | 4.07% | 3.54% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.77% | -15.31% | -17.15% | -15.11% | -15.44% | -16.79% | -13.55% | -11.17% | +394 bps | |
| Loan Growth (YoY) | -12.49% | -13.95% | -19.65% | -23.43% | -22.00% | -22.75% | -9.93% | -3.52% | +1,991 bps | |
| Deposit Growth (YoY) | -8.06% | -13.81% | -12.78% | -16.27% | -15.96% | -18.22% | -16.92% | -13.91% | +236 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 | 2.62% | 1.94% | 2.25% | 1.21% | 0.98% | 0.75% | 0.54% | -0.92% | -213 bps | |
| Allowance / Loans | 2.17% | 2.22% | 1.99% | 2.17% | 2.11% | 2.19% | 2.10% | 2.42% | +25 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.65% | 12.74% | 13.22% | 13.99% | 13.94% | 14.04% | 13.88% | 14.11% | +13 bps | |
| Equity / Assets | 9.14% | 9.31% | 9.39% | 9.49% | 9.37% | 9.51% | 9.58% | 9.78% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.60% | 89.91% | 83.97% | 78.67% | 80.37% | 84.94% | 91.04% | 88.17% | +950 bps | |
| Liquid Assets / Assets | 0.60% | 1.26% | 1.24% | 0.45% | 0.91% | 0.99% | 0.69% | 0.67% | +23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |