Tompkinsville, KY · Cert 8133
FDIC · 5 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 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.
Tompkinsville, KY · Cert 8133
FDIC · 5 branches
Q4 2014
Market Position · Bowling Green, KY · 2014 SOD (annual) · 0.4% share · #18 of 21 inst. · $0.0B of $2.4B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.57% | 0.66% | 0.65% | 0.58% | 0.67% | 0.77% | 0.75% | +11 bps | |
| Return on Equity | 4.42% | 5.00% | 5.86% | 5.77% | 5.21% | 5.98% | 6.85% | 6.70% | +93 bps | |
| Net Interest Margin | 3.25% | 3.29% | 3.34% | 3.45% | 3.40% | 3.44% | 3.43% | 3.25% | -21 bps | |
| Efficiency Ratio | 83.10% | 80.08% | 77.53% | 77.33% | 81.38% | 78.56% | 75.64% | 76.03% | -130 bps | |
| Non-Interest Burden | 2.53% | 2.43% | 2.33% | 2.41% | 2.59% | 2.48% | 2.33% | 2.23% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | 0.14% | 0.37% | -4.58% | -2.52% | 0.59% | 1.34% | 11.15% | +1,573 bps | |
| Loan Growth (YoY) | 2.68% | 0.94% | 1.71% | 2.58% | 4.82% | 3.74% | 7.68% | 9.35% | +677 bps | |
| Deposit Growth (YoY) | 3.51% | 5.38% | 5.17% | -1.24% | 1.21% | -0.79% | -2.96% | 10.75% | +1,199 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.13% | 0.14% | 0.29% | 0.16% | 0.24% | 0.21% | +6 bps | |
| Allowance / Loans | 1.51% | 1.51% | 1.47% | 1.50% | 1.41% | 1.38% | 1.23% | 1.17% | -33 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.36% | 18.64% | 18.77% | 18.54% | 19.11% | 18.86% | 18.51% | 17.93% | -62 bps | |
| Equity / Assets | 11.45% | 10.99% | 10.98% | 11.10% | 11.17% | 11.43% | 11.52% | 10.93% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.46% | 69.19% | 69.22% | 71.73% | 70.91% | 72.35% | 76.81% | 70.82% | -91 bps | |
| Liquid Assets / Assets | 11.46% | 6.78% | 6.94% | 4.04% | 8.12% | 4.14% | 2.39% | 6.15% | +211 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |