Lexington, KY · Cert 35534
FDIC
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Lexington, KY · Cert 35534
FDIC
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 30.47% | 32.28% | 28.48% | 32.32% | 34.05% | 35.27% | 32.34% | 32.55% | +23 bps | |
| Return on Equity | 45.73% | 51.22% | 46.82% | 49.46% | 49.89% | 55.39% | 54.90% | 52.08% | +262 bps | |
| Net Interest Margin | 0.36% | 0.40% | 0.80% | 0.74% | 0.62% | 0.54% | 0.63% | 0.43% | -31 bps | |
| Efficiency Ratio | 85.21% | 84.04% | 85.92% | 84.35% | 83.28% | 82.35% | 82.82% | 82.16% | -219 bps | |
| Non-Interest Burden | -34.78% | -38.69% | -29.05% | -40.85% | -42.11% | -37.63% | -32.23% | -38.60% | +225 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.26% | 3.80% | 3.70% | 5.13% | 6.96% | 9.72% | 10.77% | 14.80% | +967 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 90.56% | 69.10% | 67.47% | 94.89% | 102.53% | 61.50% | 63.96% | 84.91% | -998 bps | |
| Total Risk-Based Capital | 91.59% | 57.30% | 88.29% | 85.01% | 86.62% | 53.65% | 63.96% | 84.91% | -9 bps | |
| Equity / Assets | 74.66% | 50.56% | 74.23% | 74.53% | 76.22% | 48.64% | 72.19% | 69.52% | -501 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 8.68% | 11.38% | 10.08% | 9.12% | 8.06% | 12.13% | 10.34% | +26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |