Frankfort, KY · Cert 57113
FDIC · 2 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Frankfort, KY · Cert 57113
FDIC · 2 branches
Q3 2018
Market Position · Louisville/Jefferson County, KY-IN · 2018 SOD (annual) · 0.3% share · #27 of 40 inst. · $0.1B of $27.6B
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.11% | -0.41% | -0.35% | -0.01% | 0.17% | 0.23% | 0.50% | +85 bps | |
| Return on Equity | -3.84% | -0.99% | -3.74% | -3.24% | -0.05% | 1.52% | 2.00% | 4.18% | +741 bps | |
| Net Interest Margin | 3.39% | 3.35% | 3.23% | 3.11% | 3.44% | 3.62% | 3.75% | 3.89% | +78 bps | |
| Efficiency Ratio | 113.06% | 103.05% | 106.25% | 105.95% | 97.63% | 98.43% | 95.64% | 89.14% | -1,682 bps | |
| Non-Interest Burden | 3.91% | 3.46% | 3.45% | 3.31% | 3.35% | 3.56% | 3.57% | 3.42% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.62% | 7.06% | 20.04% | 19.94% | 10.66% | -0.71% | -9.44% | -26.36% | -4,630 bps | |
| Loan Growth (YoY) | 3.00% | 8.19% | 22.33% | 32.44% | 27.86% | 14.50% | 2.91% | -22.32% | -5,475 bps | |
| Deposit Growth (YoY) | 13.29% | 11.96% | 5.88% | 9.45% | 5.31% | -7.94% | -11.12% | -16.31% | -2,577 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 2.56% | 2.65% | 2.31% | 2.26% | 2.47% | 2.02% | 1.71% | -60 bps | |
| Net Charge-Offs / Loans | 0.62% | 0.23% | 0.06% | 0.06% | 0.09% | -0.52% | -0.22% | -0.24% | -30 bps | |
| Allowance / Loans | 1.54% | 1.36% | 1.35% | 1.22% | 1.23% | 1.40% | 1.37% | 1.70% | +48 bps | |
| Allowance Coverage of NPLs | n/a | 0.5x | 0.5x | 0.5x | 0.5x | 0.6x | 0.7x | 1.0x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.63% | 11.94% | 11.41% | 10.49% | 10.84% | 11.72% | 12.22% | 13.05% | +257 bps | |
| Total Risk-Based Capital | 19.79% | 17.81% | 15.55% | 14.50% | 15.41% | 15.85% | 16.03% | 19.01% | +451 bps | |
| Equity / Assets | 11.79% | 11.29% | 10.33% | 9.99% | 10.74% | 11.40% | 11.64% | 14.16% | +417 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.38% | 89.53% | 102.53% | 113.72% | 103.66% | 111.35% | 118.71% | 105.57% | -816 bps | |
| Liquid Assets / Assets | 7.68% | 5.91% | 6.15% | 1.79% | 2.73% | 3.65% | 2.62% | 2.00% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |