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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 1.09% | 1.10% | 1.01% | -0.94% | -216 bps | |
| Return on Equity | 11.69% | 10.02% | 9.79% | 8.77% | -7.95% | -1,965 bps | |
| Net Interest Margin | 3.50% | 3.31% | 3.32% | 3.35% | 3.42% | -7 bps | |
| Efficiency Ratio | 61.59% | 64.55% | 64.29% | 67.66% | 109.92% | +4,833 bps | |
| Non-Interest Burden | 1.88% | 1.88% | 1.86% | 2.05% | 3.82% | +194 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.64% | 4.04% | 2.28% | -3.11% | -6.75% | -1,239 bps | |
| Loan Growth (YoY) | 6.37% | 2.25% | -0.76% | -2.94% | -4.79% | -1,116 bps | |
| Deposit Growth (YoY) | 4.99% | 5.64% | 4.44% | -1.31% | -4.67% | -966 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.54% | 0.35% | 0.34% | 0.38% | -16 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.00% | 0.51% | -0.03% | 0.00% | +2 bps | |
| Allowance / Loans | 1.24% | 1.29% | 1.18% | 1.16% | 1.45% | +21 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.4x | 3.4x | 3.5x | 3.8x | +1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.23% | 10.35% | 10.82% | 11.17% | 10.88% | +65 bps | |
| Total Risk-Based Capital | 13.17% | 13.88% | 14.03% | 14.21% | 14.13% | +96 bps | |
| Equity / Assets | 10.58% | 11.10% | 11.33% | 11.79% | 11.82% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.39% | 96.55% | 95.38% | 98.85% | 98.27% | -13 bps | |
| Liquid Assets / Assets | 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 |