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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.55% | 0.49% | 1.71% | 0.33% | 0.47% | 0.63% | 0.41% | -130 bps | |
| Return on Equity | 6.48% | 4.88% | 4.50% | 15.95% | 3.04% | 4.52% | 6.19% | 3.98% | -1,196 bps | |
| Net Interest Margin | 3.56% | 3.43% | 3.26% | 3.45% | 3.39% | 2.81% | 2.90% | 3.06% | -38 bps | |
| Efficiency Ratio | 80.90% | 85.46% | 86.00% | 65.25% | 90.19% | 85.74% | 82.18% | 88.15% | +2,291 bps | |
| Non-Interest Burden | 2.81% | 2.87% | 2.75% | 1.56% | 3.02% | 2.32% | 2.23% | 2.63% | +107 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 | 0.10% | 0.84% | 0.02% | 0.01% | -0.10% | -0.04% | -0.04% | -0.03% | -4 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 |