Paducah, KY · Charter 61738
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 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.
Paducah, KY · Charter 61738
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.37% | -1.59% | 1.02% | 1.75% | 1.57% | 1.16% | 0.30% | 0.38% | -137 bps | |
| Return on Equity | -6.96% | -7.71% | 5.24% | 8.90% | 7.86% | 5.55% | 1.47% | 1.76% | -714 bps | |
| Net Interest Margin | 3.87% | 4.09% | 3.88% | 3.62% | 3.69% | 3.79% | 3.67% | 3.50% | -12 bps | |
| Efficiency Ratio | 83.37% | 82.10% | 77.45% | 79.37% | 79.04% | 80.69% | 83.85% | 86.06% | +669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.11% | -6.96% | 1.96% | 3.27% | 2.57% | 4.52% | -0.23% | -7.47% | -1,075 bps | |
| Loan Growth (YoY) | 7.55% | 3.31% | 2.43% | -1.57% | 0.42% | 0.16% | 2.80% | -1.92% | -36 bps | |
| Share Growth (YoY) | -0.54% | -7.00% | 3.22% | 3.35% | 2.40% | 4.08% | -1.43% | -9.68% | -1,302 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 0.13% | 0.79% | 1.46% | 1.79% | 4.06% | 4.70% | 1.70% | +24 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 | 1.07% | 2.19% | 2.12% | 1.35% | 1.22% | 1.59% | 1.75% | 1.59% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.75% | 20.56% | 19.53% | 19.69% | 19.95% | 20.83% | 20.53% | 21.72% | +203 bps | |
| Net Worth / Assets | 19.75% | 20.56% | 19.53% | 19.69% | 19.95% | 20.83% | 20.53% | 21.72% | +203 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.51% | 85.74% | 76.62% | 77.54% | 79.93% | 82.51% | 79.91% | 84.19% | +665 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |