Louisville, KY · Charter 8737
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Louisville, KY · Charter 8737
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.75% | -1.34% | 0.26% | 0.33% | 0.60% | 0.63% | 0.43% | -0.09% | -42 bps | |
| Return on Equity | -18.80% | -13.78% | 2.80% | 3.48% | 6.20% | 6.14% | 4.36% | -0.90% | -438 bps | |
| Net Interest Margin | 3.04% | 3.30% | 3.23% | 3.28% | 3.23% | 3.34% | 2.58% | 2.53% | -74 bps | |
| Efficiency Ratio | 109.57% | 107.22% | 94.44% | 100.26% | 87.94% | 83.91% | 95.56% | 94.55% | -570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.27% | 1.11% | -1.62% | -2.05% | 0.91% | 0.35% | 1.14% | 2.96% | +502 bps | |
| Loan Growth (YoY) | 8.93% | 21.82% | 21.84% | 13.30% | -3.38% | -13.16% | -18.18% | -20.67% | -3,398 bps | |
| Share Growth (YoY) | 0.67% | 2.65% | -0.58% | -1.76% | 0.29% | 0.24% | 0.93% | 3.35% | +511 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.92% | 1.86% | 1.76% | 1.24% | 1.58% | 6.95% | 6.91% | 7.17% | +593 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 | 2.42% | 2.12% | 1.91% | 1.65% | 1.94% | 2.40% | 2.35% | 2.77% | +112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.31% | 9.70% | 9.29% | 9.46% | 9.70% | 10.30% | 9.83% | 9.58% | +12 bps | |
| Net Worth / Assets | 9.31% | 9.70% | 9.29% | 9.46% | 9.70% | 10.30% | 9.83% | 9.58% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.93% | 75.10% | 69.21% | 68.28% | 64.48% | 65.06% | 56.11% | 52.41% | -1,587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |