Winchester, KY · Cert 57424
FDIC · 1 branch
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Winchester, KY · Cert 57424
FDIC · 1 branch
Q4 2015
Market Position · Lexington-Fayette, KY · 2015 SOD (annual) · 0.5% share · #24 of 35 inst. · $0.0B of $9.1B
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.27% | 0.04% | -0.43% | -1.66% | -1.46% | -1.42% | -1.36% | -92 bps | |
| Return on Equity | 3.39% | 2.71% | 0.40% | -4.46% | -17.44% | -15.39% | -14.93% | -14.17% | -971 bps | |
| Net Interest Margin | 3.52% | 3.55% | 3.50% | 3.53% | 3.13% | 3.13% | 3.14% | 3.24% | -29 bps | |
| Efficiency Ratio | 88.59% | 90.39% | 96.27% | 101.12% | 109.49% | 115.90% | 124.25% | 126.99% | +2,587 bps | |
| Non-Interest Burden | 3.08% | 3.18% | 3.36% | 3.57% | 3.47% | 3.69% | 3.96% | 4.17% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.91% | 4.23% | 2.35% | -1.18% | -4.82% | -10.04% | -11.68% | -17.72% | -1,654 bps | |
| Loan Growth (YoY) | 6.09% | 2.81% | 4.20% | -5.50% | -13.12% | -21.00% | -28.47% | -21.87% | -1,637 bps | |
| Deposit Growth (YoY) | 4.10% | 3.17% | -0.95% | -4.01% | -7.31% | -8.19% | -9.90% | -17.12% | -1,312 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 | 0.11% | 0.08% | 0.11% | 0.50% | 2.65% | 1.45% | 1.06% | 0.73% | +23 bps | |
| Allowance / Loans | 1.20% | 1.18% | 1.18% | 1.32% | 1.22% | 1.46% | 1.64% | 1.73% | +41 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 | 9.25% | 9.29% | 9.26% | 9.54% | n/a | |
| Total Risk-Based Capital | 15.27% | 14.76% | 14.87% | 15.48% | 16.02% | 16.91% | 17.85% | 17.57% | +209 bps | |
| Equity / Assets | 9.94% | 9.81% | 9.83% | 9.46% | 9.52% | 9.52% | 9.48% | 9.95% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.15% | 95.71% | 96.11% | 87.14% | 85.44% | 82.35% | 76.30% | 82.14% | -500 bps | |
| Liquid Assets / Assets | 11.66% | 12.25% | 11.99% | 18.94% | 19.32% | 21.05% | 26.97% | 23.31% | +437 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |