Ashland, KY · Cert 35337
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | -0.41% | 0.16% | 0.11% | 1.83% | 1.62% | 1.56% | 1.29% | +118 bps | |
| Return on Equity | 6.15% | -4.45% | 1.68% | 1.10% | 17.38% | 15.04% | 14.10% | 11.44% | +1,035 bps | |
| Net Interest Margin | 3.67% | 3.66% | 3.93% | 3.86% | 4.14% | 4.35% | 4.53% | 4.62% | +75 bps | |
| Efficiency Ratio | 81.17% | 104.05% | 90.92% | 87.90% | 66.34% | 66.60% | 66.10% | 67.52% | -2,038 bps | |
| Non-Interest Burden | 2.87% | 3.79% | 3.58% | 3.37% | 2.41% | 2.58% | 2.68% | 2.81% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.72% | -1.14% | -1.56% | -6.50% | -11.16% | -9.39% | -10.98% | -9.48% | -298 bps | |
| Loan Growth (YoY) | 0.21% | -0.91% | -4.77% | 0.87% | -0.52% | -5.51% | -4.05% | -5.61% | -648 bps | |
| Deposit Growth (YoY) | 10.82% | 4.46% | 1.62% | 1.46% | -6.91% | -8.47% | -10.51% | -16.37% | -1,783 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 | 0.43% | 0.53% | 0.40% | 0.44% | -0.01% | 0.68% | 0.54% | 0.71% | +27 bps | |
| Allowance / Loans | 1.19% | 1.13% | 1.11% | 1.25% | 1.27% | 1.09% | 1.18% | 1.25% | -1 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 | 13.95% | 13.59% | 14.01% | 14.04% | 14.87% | 15.83% | 16.44% | 16.70% | +267 bps | |
| Equity / Assets | 9.16% | 9.55% | 10.00% | 10.24% | 10.85% | 11.31% | 11.93% | 12.05% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.55% | 92.08% | 93.48% | 91.87% | 95.70% | 95.06% | 100.22% | 103.69% | +1,182 bps | |
| Liquid Assets / Assets | 0.39% | 0.44% | 0.39% | 0.37% | 0.57% | 0.38% | 0.18% | 0.38% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |