Hawesville, KY · Cert 8128
FDIC · 7 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 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.
Hawesville, KY · Cert 8128
FDIC · 7 branches
Q3 2021
Market Position · Owensboro, KY · 2021 SOD (annual) · 3.7% share · #7 of 15 inst. · $0.1B of $3.4B
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.55% | 0.52% | 0.93% | 0.78% | 0.47% | 0.55% | 0.50% | -43 bps | |
| Return on Equity | 6.66% | 4.88% | 4.68% | 8.48% | 7.11% | 4.52% | 5.36% | 4.90% | -358 bps | |
| Net Interest Margin | 3.53% | 3.43% | 3.31% | 3.42% | 3.41% | 2.81% | 2.87% | 2.94% | -48 bps | |
| Efficiency Ratio | 81.29% | 85.46% | 85.73% | 77.50% | 80.49% | 85.74% | 83.91% | 85.35% | +785 bps | |
| Non-Interest Burden | 2.77% | 2.87% | 2.78% | 2.43% | 2.58% | 2.32% | 2.29% | 2.41% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.51% | -1.15% | 9.80% | 11.11% | 12.72% | 16.04% | 5.63% | 4.69% | -642 bps | |
| Loan Growth (YoY) | 3.56% | 2.49% | 11.68% | 10.84% | 11.38% | 7.30% | -1.05% | -4.51% | -1,536 bps | |
| Deposit Growth (YoY) | 0.05% | -1.48% | 12.72% | 16.73% | 15.93% | 19.57% | 7.14% | 3.91% | -1,282 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.17% | 0.10% | 0.08% | 0.11% | 0.19% | 0.94% | 0.25% | +17 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.84% | 0.38% | 0.26% | 0.17% | -0.04% | -0.04% | -0.04% | -30 bps | |
| Allowance / Loans | 1.42% | 1.23% | 1.09% | 1.09% | 1.11% | 1.18% | 1.15% | 1.20% | +11 bps | |
| Allowance Coverage of NPLs | 3.1x | 7.1x | 10.9x | 14.1x | 10.0x | 6.3x | 1.2x | 4.7x | -9.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.97% | 10.82% | 10.61% | 11.44% | 11.37% | 10.22% | 10.24% | 10.29% | -115 bps | |
| Total Risk-Based Capital | 15.79% | 10.82% | 10.61% | 11.44% | 11.37% | 10.22% | 10.24% | 10.29% | -115 bps | |
| Equity / Assets | 11.41% | 11.31% | 10.53% | 10.87% | 10.56% | 10.17% | 10.18% | 10.16% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.73% | 94.46% | 94.91% | 92.91% | 92.94% | 84.76% | 87.65% | 85.38% | -753 bps | |
| Liquid Assets / Assets | 1.36% | 1.76% | 2.71% | 1.61% | 1.16% | 2.16% | 1.95% | 2.03% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |