Danville, KY · Cert 58848
FDIC · 2 branches
Q2 2018
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.56% | -0.41% | -1.24% | -1.24% | -1.16% | -0.61% | -2.70% | -146 bps | |
| Return on Equity | -2.24% | -6.08% | -4.41% | -13.26% | -13.04% | -12.11% | -5.94% | -26.44% | -1,318 bps | |
| Net Interest Margin | 3.50% | 3.50% | 3.00% | 2.82% | 2.90% | 2.96% | 2.84% | 3.00% | +18 bps | |
| Efficiency Ratio | 98.26% | 102.65% | 112.96% | 127.56% | 132.76% | 132.24% | 119.17% | 183.89% | +5,633 bps | |
| Non-Interest Burden | 3.43% | 3.59% | 3.41% | 3.66% | 3.90% | 3.98% | 3.46% | 5.82% | +216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.08% | -4.52% | -11.57% | -14.87% | -18.45% | -19.74% | -21.21% | -23.67% | -880 bps | |
| Loan Growth (YoY) | -3.25% | -12.97% | -25.41% | -32.74% | -34.49% | -32.17% | -23.38% | -19.88% | +1,285 bps | |
| Deposit Growth (YoY) | -1.23% | -5.15% | -11.80% | -15.18% | -20.24% | -21.47% | -22.07% | -24.30% | -912 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.22% | 2.14% | 2.49% | 2.56% | 2.09% | 2.12% | -2 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.29% | -0.12% | 1.24% | 0.84% | 0.45% | 0.00% | 0.02% | -122 bps | |
| Allowance / Loans | 1.39% | 1.65% | 1.96% | 1.95% | 2.13% | 2.41% | 2.50% | 2.69% | +74 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.6x | 0.9x | 0.9x | 0.9x | 1.2x | 1.3x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.02% | 8.86% | 9.37% | 9.21% | 9.45% | 9.72% | 10.34% | 9.79% | +59 bps | |
| Total Risk-Based Capital | 15.18% | 15.50% | 17.11% | 17.21% | 17.85% | 18.37% | 18.92% | 17.76% | +55 bps | |
| Equity / Assets | 9.36% | 9.10% | 9.58% | 9.40% | 9.89% | 10.07% | 10.59% | 9.99% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.41% | 83.02% | 75.93% | 69.38% | 70.97% | 71.70% | 74.66% | 73.43% | +405 bps | |
| Liquid Assets / Assets | 0.08% | 0.19% | 0.16% | 0.11% | 0.07% | 1.27% | 0.36% | 0.33% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |