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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.94% | 0.99% | 1.23% | 1.09% | 1.10% | 1.01% | -0.94% | -216 bps | |
| Return on Equity | 9.71% | 8.69% | 9.37% | 11.69% | 10.02% | 9.79% | 8.77% | -7.95% | -1,965 bps | |
| Net Interest Margin | 3.49% | 3.57% | 3.34% | 3.50% | 3.31% | 3.32% | 3.35% | 3.42% | -7 bps | |
| Efficiency Ratio | 63.92% | 59.25% | 67.89% | 61.59% | 64.55% | 64.29% | 67.66% | 109.92% | +4,833 bps | |
| Non-Interest Burden | 1.96% | 1.82% | 2.06% | 1.88% | 1.88% | 1.86% | 2.05% | 3.82% | +194 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 | 0.02% | -0.02% | 0.06% | -0.03% | 0.00% | 0.51% | -0.03% | 0.00% | +2 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 |