Fort Mitchell, KY · Cert 57277
FDIC · 3 branches
Q1 2020
Market Position · Cincinnati, OH-KY-IN · 2019 SOD (annual) · 0.1% share · #31 of 62 inst. · $0.1B of $139.0B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.96% | 3.10% | 3.28% | 2.93% | 2.91% | 3.24% | 3.48% | -0.23% | -316 bps | |
| Return on Equity | 20.64% | 21.62% | 23.00% | 20.42% | 20.37% | 22.69% | 24.17% | -1.59% | -2,201 bps | |
| Net Interest Margin | 3.21% | 3.26% | 3.29% | 3.26% | 3.24% | 3.16% | 3.08% | 2.72% | -54 bps | |
| Efficiency Ratio | 50.25% | 49.52% | 47.95% | 52.05% | 54.06% | 51.52% | 50.24% | 105.15% | +5,310 bps | |
| Non-Interest Burden | 0.19% | 0.08% | -0.14% | 0.17% | 0.40% | 0.00% | -0.30% | 2.94% | +277 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | 4.21% | 2.14% | -0.04% | 2.07% | 2.66% | 0.50% | 10.73% | +1,076 bps | |
| Loan Growth (YoY) | 1.18% | 0.39% | -1.97% | -0.50% | 4.43% | 5.97% | 4.03% | 4.85% | +535 bps | |
| Deposit Growth (YoY) | 3.78% | 7.65% | 4.60% | 1.79% | 2.49% | 3.98% | 6.98% | 14.44% | +1,265 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.51% | 1.07% | 1.30% | 1.25% | 0.90% | 0.66% | 0.77% | 1.35% | +9 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.02% | -0.01% | -0.21% | -0.14% | -0.11% | -0.01% | 0 bps | |
| Allowance / Loans | 0.88% | 0.91% | 0.92% | 0.92% | 0.86% | 0.85% | 0.89% | 0.89% | -3 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.7x | 0.7x | 1.0x | 1.3x | 1.2x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.80% | 14.83% | 15.13% | 14.91% | 14.67% | 14.59% | 15.08% | 13.86% | -105 bps | |
| Total Risk-Based Capital | 25.66% | 26.29% | 26.81% | 26.73% | 25.52% | 26.11% | 27.88% | 26.40% | -34 bps | |
| Equity / Assets | 14.46% | 14.34% | 14.06% | 14.71% | 14.17% | 14.22% | 14.85% | 13.50% | -121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.26% | 110.24% | 111.46% | 111.47% | 116.43% | 112.35% | 108.39% | 102.13% | -934 bps | |
| Liquid Assets / Assets | 7.96% | 8.43% | 9.30% | 9.54% | 7.14% | 8.86% | 6.78% | 16.10% | +657 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |