Henderson, KY · Cert 35380
FDIC · 4 branches
Q4 2014
Market Position · Evansville, IN-KY · 2014 SOD (annual) · 1.3% share · #15 of 22 inst. · $0.1B of $4.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 1.20% | 1.28% | 0.88% | 0.82% | 0.92% | 1.64% | -0.50% | -138 bps | |
| Return on Equity | 7.22% | 10.54% | 11.15% | 7.72% | 7.13% | 7.86% | 14.06% | -4.38% | -1,209 bps | |
| Net Interest Margin | 3.45% | 4.03% | 4.17% | 4.09% | 4.27% | 4.42% | 4.45% | 4.39% | +30 bps | |
| Efficiency Ratio | 75.59% | 63.75% | 63.82% | 74.42% | 70.71% | 72.75% | 62.12% | 108.79% | +3,437 bps | |
| Non-Interest Burden | 2.39% | 1.98% | 2.08% | 2.70% | 2.75% | 2.92% | 2.07% | 4.96% | +226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 75.47% | 71.80% | 67.00% | 61.58% | -5.32% | -1.82% | 1.74% | -1.51% | -6,310 bps | |
| Loan Growth (YoY) | 46.09% | 49.45% | 48.03% | 43.01% | 4.40% | 2.12% | 6.09% | 1.28% | -4,173 bps | |
| Deposit Growth (YoY) | 94.33% | 85.74% | 70.94% | 64.52% | -7.56% | -2.68% | -3.32% | -4.74% | -6,926 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 | 0.21% | 0.16% | 0.34% | 0.30% | 0.17% | 0.09% | 0.06% | 0.19% | -11 bps | |
| Allowance / Loans | 1.29% | 1.25% | 1.18% | 1.17% | 1.27% | 1.24% | 1.10% | 1.19% | +2 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 | 18.05% | 16.65% | 15.85% | 15.81% | 15.78% | 15.33% | 14.60% | 14.20% | -162 bps | |
| Equity / Assets | 11.30% | 11.41% | 11.53% | 11.34% | 11.72% | 11.77% | 11.49% | 11.45% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.26% | 84.14% | 90.60% | 88.83% | 84.99% | 88.29% | 99.43% | 94.44% | +562 bps | |
| Liquid Assets / Assets | 14.36% | 3.62% | 1.76% | 2.62% | 4.14% | 1.60% | 1.12% | 1.91% | -71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |