Paris, KY · Cert 734
FDIC · 19 branches
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, 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.
Paris, KY · Cert 734
FDIC · 19 branches
Q1 2021
Market Position · Lexington-Fayette, KY · 2020 SOD (annual) · 4.6% share · #7 of 37 inst. · $0.6B of $12.7B
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.13% | 1.16% | 0.57% | 0.78% | 0.89% | 0.95% | 0.95% | +38 bps | |
| Return on Equity | 10.00% | 10.79% | 11.04% | 5.45% | 7.73% | 8.80% | 9.37% | 9.66% | +421 bps | |
| Net Interest Margin | 3.39% | 3.44% | 3.35% | 3.26% | 2.98% | 2.95% | 3.01% | 2.83% | -43 bps | |
| Efficiency Ratio | 72.47% | 71.08% | 70.80% | 75.21% | 74.09% | 73.93% | 73.45% | 71.66% | -355 bps | |
| Non-Interest Burden | 2.12% | 2.08% | 2.00% | 2.12% | 1.89% | 1.84% | 1.85% | 1.63% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.44% | 2.82% | 2.23% | 5.13% | 15.09% | 10.84% | 11.61% | 11.46% | +633 bps | |
| Loan Growth (YoY) | 5.90% | 6.97% | 8.60% | 13.73% | 14.68% | 7.33% | 3.33% | -1.98% | -1,571 bps | |
| Deposit Growth (YoY) | 4.12% | 1.12% | -0.99% | 0.97% | 13.12% | 12.29% | 16.33% | 20.31% | +1,934 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.51% | 0.61% | 0.60% | 0.59% | 0.67% | 0.53% | 0.53% | -7 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.12% | 0.12% | 0.09% | 0.05% | 0.04% | 0.04% | 0.28% | +19 bps | |
| Allowance / Loans | 1.14% | 1.12% | 1.13% | 1.27% | 1.28% | 1.28% | 1.28% | 1.23% | -3 bps | |
| Allowance Coverage of NPLs | 3.5x | 2.2x | 1.8x | 2.1x | 2.2x | 1.9x | 2.4x | 2.3x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.25% | 9.46% | 9.31% | 9.27% | 8.60% | 8.75% | 8.96% | 8.84% | -43 bps | |
| Total Risk-Based Capital | 14.76% | 14.40% | 14.70% | 9.27% | 8.60% | 8.75% | 8.96% | 8.84% | -43 bps | |
| Equity / Assets | 10.66% | 10.82% | 10.63% | 10.14% | 9.65% | 10.21% | 10.02% | 9.65% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.50% | 88.25% | 87.94% | 91.10% | 85.67% | 84.34% | 78.11% | 74.22% | -1,688 bps | |
| Liquid Assets / Assets | 1.04% | 0.65% | 0.57% | 1.39% | 6.66% | 1.57% | 1.62% | 4.85% | +347 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |