Louisa, KY · Cert 58112
FDIC · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Louisa, KY · Cert 58112
FDIC · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.09% | -2.30% | -2.05% | -2.65% | -3.70% | -3.91% | -7.76% | -6.43% | -378 bps | |
| Return on Equity | -18.02% | -22.02% | -19.75% | -26.02% | -37.87% | -51.79% | -117.32% | -107.31% | -8,129 bps | |
| Net Interest Margin | 3.72% | 3.76% | 3.72% | 3.71% | 3.55% | 2.90% | 2.67% | 2.83% | -88 bps | |
| Efficiency Ratio | 122.56% | 152.37% | 146.88% | 155.37% | 170.50% | 212% | 233% | 227% | +7,151 bps | |
| Non-Interest Burden | 4.66% | 6.03% | 5.75% | 5.81% | 6.21% | 6.74% | 6.77% | 6.89% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.13% | -2.55% | -5.77% | -13.04% | -12.99% | -12.61% | -14.32% | -15.90% | -287 bps | |
| Loan Growth (YoY) | 6.32% | 0.23% | -9.59% | -21.49% | -28.19% | -31.24% | -26.81% | -20.17% | +132 bps | |
| Deposit Growth (YoY) | 11.17% | -0.37% | -4.59% | -12.57% | -8.49% | -9.72% | -9.48% | -11.28% | +128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.65% | 9.60% | 14.78% | 16.36% | 14.89% | 14.54% | 13.04% | 11.90% | -446 bps | |
| Net Charge-Offs / Loans | 0.77% | -0.07% | 0.30% | 0.81% | 3.97% | 0.72% | 3.24% | 1.69% | +87 bps | |
| Allowance / Loans | 1.92% | 1.99% | 2.00% | 2.35% | 1.71% | 1.64% | 2.88% | 3.33% | +98 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.2x | 0.1x | 0.1x | 0.1x | 0.1x | 0.2x | 0.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.56% | 9.37% | 9.13% | 8.19% | 6.47% | 4.78% | 1.97% | 1.18% | -701 bps | |
| Total Risk-Based Capital | 11.90% | 11.50% | 11.60% | 10.82% | 9.46% | 7.22% | 3.84% | 2.82% | -800 bps | |
| Equity / Assets | 10.53% | 10.31% | 10.24% | 9.58% | 7.92% | 7.17% | 4.59% | 3.93% | -565 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.36% | 106.88% | 101.08% | 93.61% | 85.03% | 81.40% | 81.73% | 84.23% | -938 bps | |
| Liquid Assets / Assets | 2.18% | 2.51% | 2.58% | 2.58% | 2.64% | 2.68% | 3.13% | 3.39% | +81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |