Shelbyville, KY · Cert 5840
FDIC · 15 branches
Q4 2021
Market Position · Louisville/Jefferson County, KY-IN · 2021 SOD (annual) · 1.8% share · #11 of 39 inst. · $0.7B of $39.1B
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.05% | 1.05% | 1.07% | 1.06% | 1.16% | 1.19% | 0.87% | -20 bps | |
| Return on Equity | 8.54% | 9.03% | 9.04% | 9.31% | 9.50% | 10.35% | 10.69% | 7.81% | -150 bps | |
| Net Interest Margin | 3.54% | 3.23% | 3.18% | 3.20% | 3.12% | 3.07% | 3.16% | 3.16% | -4 bps | |
| Efficiency Ratio | 68.84% | 66.92% | 66.70% | 65.72% | 64.98% | 63.60% | 62.19% | 72.74% | +702 bps | |
| Non-Interest Burden | 2.19% | 1.88% | 1.83% | 1.76% | 1.67% | 1.59% | 1.61% | 2.04% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.46% | 22.44% | 20.88% | 19.33% | 21.46% | 7.86% | 9.18% | 8.31% | -1,102 bps | |
| Loan Growth (YoY) | 4.94% | 11.49% | 6.60% | 7.68% | 7.33% | -1.77% | -0.50% | -4.12% | -1,181 bps | |
| Deposit Growth (YoY) | 13.27% | 26.39% | 25.04% | 22.41% | 28.06% | 11.52% | 13.05% | 10.41% | -1,201 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 1.29% | 0.92% | 0.40% | 0.35% | 0.39% | 0.04% | 0.07% | -34 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.02% | 0.00% | 0.03% | 0.02% | 0.03% | +1 bps | |
| Allowance / Loans | 1.11% | 1.07% | 1.13% | 1.22% | 1.22% | 1.23% | 1.25% | 1.29% | +7 bps | |
| Allowance Coverage of NPLs | 1.4x | 0.8x | 1.2x | 3.0x | 3.5x | 3.1x | 31.4x | 19.7x | +16.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.30% | 11.16% | 10.92% | 10.64% | 10.71% | 10.73% | 10.93% | 10.67% | +2 bps | |
| Total Risk-Based Capital | 11.30% | 11.16% | 10.92% | 10.64% | 10.71% | 10.73% | 10.93% | 10.67% | +2 bps | |
| Equity / Assets | 11.58% | 11.63% | 11.46% | 11.28% | 10.96% | 11.27% | 11.19% | 11.13% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.72% | 91.53% | 87.01% | 84.78% | 81.06% | 80.62% | 76.59% | 73.62% | -1,116 bps | |
| Liquid Assets / Assets | 10.04% | 12.13% | 15.29% | 13.88% | 15.74% | 15.61% | 18.92% | 21.60% | +772 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |