Dundee, KY · Cert 9304
FDIC · 2 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Dundee, KY · Cert 9304
FDIC · 2 branches
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 1.84% | 2.11% | 1.30% | 1.44% | 1.45% | 0.41% | 0.13% | -117 bps | |
| Return on Equity | 9.48% | 8.87% | 10.10% | 6.08% | 6.75% | 6.77% | 1.93% | 0.84% | -524 bps | |
| Net Interest Margin | 3.64% | 3.66% | 3.46% | 3.08% | 3.08% | 3.14% | 2.99% | 2.86% | -23 bps | |
| Efficiency Ratio | 52.76% | 53.68% | 57.26% | 61.82% | 58.83% | 59.57% | 62.13% | 92.75% | +3,093 bps | |
| Non-Interest Burden | 1.70% | 1.76% | 1.80% | 1.76% | 1.65% | 1.71% | 1.71% | 2.62% | +86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.92% | 1.92% | 3.01% | 3.95% | 5.86% | 4.17% | 1.04% | -13.28% | -1,723 bps | |
| Loan Growth (YoY) | -5.84% | -3.10% | -0.22% | -1.92% | 1.22% | 2.07% | -0.31% | -6.49% | -457 bps | |
| Deposit Growth (YoY) | -0.36% | -0.24% | 0.65% | 2.33% | 6.26% | 3.99% | 3.17% | -0.82% | -315 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 | 0.08% | 0.72% | 0.97% | 0.12% | -0.14% | -0.12% | 2.33% | 0.28% | +16 bps | |
| Allowance / Loans | 1.17% | 0.74% | 0.88% | 0.82% | 0.90% | 0.91% | 0.94% | 0.98% | +15 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 | 21.80% | 21.24% | 21.80% | 19.66% | 9.64% | -1,216 bps | |
| Total Risk-Based Capital | 35.05% | 35.57% | 41.09% | 41.11% | 39.96% | 41.67% | 39.47% | 20.52% | -2,059 bps | |
| Equity / Assets | 21.43% | 21.80% | 21.34% | 21.46% | 21.13% | 21.90% | 20.08% | 10.61% | -1,085 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.37% | 53.51% | 49.63% | 50.14% | 50.84% | 52.52% | 47.95% | 47.27% | -287 bps | |
| Liquid Assets / Assets | 4.14% | 4.68% | 5.88% | 6.55% | 7.55% | 6.87% | 13.21% | 13.89% | +734 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |