Bowling Green, KY · Cert 35022
FDIC · 8 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Bowling Green, KY · Cert 35022
FDIC · 8 branches
Q2 2019
Market Position · Bowling Green, KY · 2019 SOD (annual) · 5.9% share · #7 of 20 inst. · $0.2B of $3.2B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.97% | 0.99% | 1.11% | 1.11% | 1.10% | 1.01% | 0.05% | -106 bps | |
| Return on Equity | 9.33% | 9.18% | 9.37% | 10.53% | 10.36% | 10.21% | 8.77% | 0.41% | -1,012 bps | |
| Net Interest Margin | 3.47% | 3.43% | 3.34% | 3.41% | 3.35% | 3.40% | 3.35% | 3.41% | 0 bps | |
| Efficiency Ratio | 65.04% | 63.54% | 67.89% | 64.65% | 64.62% | 64.54% | 67.66% | 89.10% | +2,445 bps | |
| Non-Interest Burden | 2.00% | 1.92% | 2.06% | 1.96% | 1.92% | 1.94% | 2.05% | 2.95% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.06% | 2.14% | 4.81% | 5.64% | 4.04% | 2.28% | -3.11% | -6.75% | -1,239 bps | |
| Loan Growth (YoY) | 5.65% | 4.17% | 6.49% | 6.37% | 2.25% | -0.76% | -2.94% | -4.79% | -1,116 bps | |
| Deposit Growth (YoY) | 2.57% | 0.58% | 3.59% | 4.99% | 5.64% | 4.44% | -1.31% | -4.67% | -966 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.73% | 0.36% | 0.54% | 0.54% | 0.54% | 0.35% | 0.34% | 0.38% | -16 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.06% | 0.02% | 0.01% | 0.14% | -0.03% | -0.02% | -3 bps | |
| Allowance / Loans | 1.34% | 1.26% | 1.20% | 1.24% | 1.29% | 1.18% | 1.16% | 1.45% | +21 bps | |
| Allowance Coverage of NPLs | 1.8x | 3.5x | 2.2x | 2.3x | 2.4x | 3.4x | 3.5x | 3.8x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.24% | 10.14% | 10.04% | 10.23% | 10.35% | 10.82% | 11.17% | 10.88% | +65 bps | |
| Total Risk-Based Capital | 12.82% | 12.86% | 12.63% | 13.17% | 13.88% | 14.03% | 14.21% | 14.13% | +96 bps | |
| Equity / Assets | 10.93% | 10.74% | 10.37% | 10.58% | 11.10% | 11.33% | 11.79% | 11.82% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.76% | 100.38% | 100.51% | 98.39% | 96.55% | 95.38% | 98.85% | 98.27% | -13 bps | |
| Liquid Assets / Assets | 3.98% | 2.92% | 4.72% | 6.19% | 3.62% | 3.37% | 3.69% | 3.52% | -267 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |