Evansville, IN · Cert 58279
FDIC · 4 branches
Q4 2019
Market Position · Evansville, IN-KY · 2019 SOD (annual) · 1.5% share · #12 of 21 inst. · $0.1B of $6.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.35% | 0.60% | 0.92% | 0.50% | 0.70% | 0.71% | -0.09% | -101 bps | |
| Return on Equity | 1.83% | 3.11% | 5.22% | 7.86% | 4.20% | 5.97% | 6.08% | -0.73% | -859 bps | |
| Net Interest Margin | 3.08% | 2.94% | 3.17% | 3.41% | 3.35% | 3.09% | 3.35% | 2.75% | -67 bps | |
| Efficiency Ratio | 91.63% | 86.09% | 76.86% | 68.47% | 80.61% | 75.36% | 74.24% | 103.75% | +3,527 bps | |
| Non-Interest Burden | 2.78% | 2.46% | 2.34% | 2.22% | 2.65% | 2.24% | 2.35% | 2.86% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.55% | 19.76% | 4.25% | 7.29% | -0.90% | 5.76% | 6.18% | -0.11% | -740 bps | |
| Loan Growth (YoY) | 20.36% | 10.32% | 4.47% | 11.17% | 10.22% | 12.05% | 9.67% | 0.79% | -1,038 bps | |
| Deposit Growth (YoY) | 22.69% | 27.04% | 9.26% | 8.91% | 1.89% | 5.32% | 2.82% | -1.04% | -996 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.18% | 0.00% | 0.00% | 0.14% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.12% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.15% | 1.17% | 1.10% | 1.02% | 1.02% | 1.03% | 1.02% | 1.02% | 0 bps | |
| Allowance Coverage of NPLs | n/a | 8.3x | 6.2x | n/a | n/a | 7.3x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.85% | 11.28% | 11.65% | 11.77% | 11.83% | 10.45% | 11.78% | 10.31% | -146 bps | |
| Total Risk-Based Capital | 14.82% | 15.21% | 14.60% | 14.00% | 13.85% | 13.90% | 14.09% | 14.10% | +10 bps | |
| Equity / Assets | 11.30% | 11.11% | 11.77% | 11.67% | 12.12% | 11.33% | 12.03% | 12.33% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.25% | 85.65% | 91.19% | 97.97% | 98.70% | 91.13% | 97.26% | 99.78% | +181 bps | |
| Liquid Assets / Assets | 19.99% | 23.36% | 12.38% | 9.63% | 5.48% | 13.65% | 9.29% | 7.76% | -187 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |