Brookville, IN · Cert 5766
FDIC · 101 branches
Q1 2018
Market Position · Louisville/Jefferson County, KY-IN · 2017 SOD (annual) · 2.4% share · #11 of 40 inst. · $0.6B of $26.9B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.14% | 1.20% | 1.34% | 1.17% | 1.23% | 1.32% | 1.16% | -18 bps | |
| Return on Equity | 8.29% | 9.29% | 9.82% | 11.03% | 9.52% | 10.01% | 10.72% | 9.29% | -175 bps | |
| Net Interest Margin | 3.10% | 2.97% | 3.03% | 3.32% | 3.24% | 3.21% | 3.26% | 3.41% | +9 bps | |
| Efficiency Ratio | 68.39% | 64.46% | 62.32% | 58.46% | 63.63% | 61.30% | 59.67% | 66.86% | +840 bps | |
| Non-Interest Burden | 1.67% | 1.44% | 1.38% | 1.38% | 1.59% | 1.49% | 1.46% | 1.90% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.05% | 20.20% | 20.54% | 18.57% | 15.04% | 14.78% | 14.03% | 12.72% | -585 bps | |
| Loan Growth (YoY) | 27.90% | 24.23% | 23.17% | 20.94% | 18.49% | 17.92% | 15.28% | 15.02% | -592 bps | |
| Deposit Growth (YoY) | 22.97% | 19.58% | 17.08% | 18.93% | 13.17% | 9.81% | 13.03% | 9.18% | -975 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.77% | 0.64% | 0.68% | 0.53% | 0.40% | -37 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.05% | 0.05% | 0.02% | 0.02% | 0.03% | 0.04% | 0.49% | +47 bps | |
| Allowance / Loans | 0.84% | 0.84% | 0.84% | 0.85% | 0.73% | 0.74% | 0.73% | 0.64% | -21 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.1x | 1.1x | 1.1x | 1.4x | 1.6x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.37% | 9.82% | 9.80% | 9.76% | 9.92% | 9.55% | 9.63% | 9.64% | -12 bps | |
| Total Risk-Based Capital | 14.59% | 14.98% | 14.69% | 14.32% | 13.52% | 13.57% | 13.56% | 13.57% | -75 bps | |
| Equity / Assets | 12.43% | 12.63% | 12.03% | 12.20% | 12.46% | 12.51% | 12.44% | 12.44% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.11% | 82.86% | 85.37% | 82.64% | 85.97% | 88.98% | 87.06% | 87.05% | +442 bps | |
| Liquid Assets / Assets | 0.29% | 0.14% | 0.19% | 0.36% | 0.25% | 0.10% | 0.39% | 0.05% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |