Martin, KY · Cert 35058
FDIC · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Martin, KY · Cert 35058
FDIC · 2 branches
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.48% | 0.50% | 0.34% | 0.46% | 0.43% | 0.59% | 0.11% | -23 bps | |
| Return on Equity | 2.87% | 2.50% | 2.62% | 2.29% | 3.41% | 3.36% | 4.73% | 0.98% | -131 bps | |
| Net Interest Margin | 2.92% | 2.93% | 2.94% | 2.76% | 2.87% | 2.90% | 2.90% | 2.86% | +10 bps | |
| Efficiency Ratio | 81.04% | 81.96% | 81.68% | 89.16% | 85.47% | 86.34% | 82.18% | 96.62% | +746 bps | |
| Non-Interest Burden | 2.30% | 2.34% | 2.33% | 2.42% | 2.40% | 2.46% | 2.28% | 2.75% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.03% | -7.79% | -4.81% | -5.72% | -7.28% | -7.86% | -7.98% | -6.76% | -105 bps | |
| Loan Growth (YoY) | -11.01% | -9.43% | -5.78% | -9.86% | -8.13% | -10.60% | -9.74% | -10.26% | -40 bps | |
| Deposit Growth (YoY) | -8.56% | -8.40% | -4.45% | 5.57% | 3.26% | 2.73% | 2.36% | -7.42% | -1,299 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.95% | +495 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.25% | 0.24% | -0.11% | 0.10% | 0.10% | 0.10% | 0.00% | +11 bps | |
| Allowance / Loans | 1.28% | 1.30% | 1.28% | 1.34% | 1.32% | 1.36% | 1.32% | 1.36% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.3x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.92% | 19.36% | 19.58% | 9.96% | 10.52% | 10.81% | 11.03% | 11.00% | +104 bps | |
| Total Risk-Based Capital | 50.76% | 51.24% | 51.52% | 24.74% | 27.77% | 28.11% | 28.23% | 28.19% | +345 bps | |
| Equity / Assets | 19.21% | 19.65% | 19.55% | 10.12% | 10.59% | 10.98% | 11.06% | 11.06% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.71% | 57.76% | 57.12% | 50.72% | 50.45% | 50.26% | 50.36% | 49.16% | -155 bps | |
| Liquid Assets / Assets | 44.26% | 43.63% | 43.29% | 40.36% | 32.69% | 33.87% | 33.66% | 33.99% | -637 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |