Louisville, KY · Charter 61316
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Louisville, KY · Charter 61316
Q3 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.49% | -1.44% | -1.57% | -1.26% | -1.79% | -2.83% | -3.73% | -8.24% | -698 bps | |
| Return on Equity | -8.68% | -9.43% | -10.07% | -8.44% | -12.11% | -19.76% | -19.67% | -49.55% | -4,111 bps | |
| Net Interest Margin | 3.01% | 2.47% | 2.54% | 2.49% | 2.58% | 3.15% | 3.62% | 3.70% | +121 bps | |
| Efficiency Ratio | 112.90% | 103.85% | 110.12% | 111.66% | 113.40% | 143.77% | 132.04% | 233% | +12,134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.12% | 47.90% | -2.46% | 1.09% | 3.84% | -7.37% | -30.02% | -38.15% | -3,924 bps | |
| Loan Growth (YoY) | 6.87% | 7.24% | 9.54% | 1.44% | -4.24% | 4.19% | -5.10% | -12.38% | -1,381 bps | |
| Share Growth (YoY) | 62.75% | 67.53% | -0.60% | 3.20% | 6.93% | -6.61% | -32.75% | -39.15% | -4,234 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.00% | 0.54% | 1.16% | 0.00% | 0.23% | 0.94% | 0.15% | -101 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 2.45% | 2.31% | 2.19% | 2.32% | 2.46% | 3.33% | 3.77% | +158 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.19% | 15.22% | 15.57% | 14.93% | 14.76% | 14.30% | 18.98% | 16.62% | +169 bps | |
| Net Worth / Assets | 17.19% | 15.22% | 15.57% | 14.93% | 14.76% | 14.30% | 18.98% | 16.62% | +169 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.77% | 33.32% | 36.90% | 34.84% | 36.51% | 37.17% | 52.07% | 50.17% | +1,533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |