Williamstown, KY · Cert 9311
FDIC · 4 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 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.
Williamstown, KY · Cert 9311
FDIC · 4 branches
Q3 2014
Market Position · Cincinnati, OH-KY-IN · 2014 SOD (annual) · 0.1% share · #39 of 70 inst. · $0.1B of $79.0B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.67% | -0.55% | 0.04% | -0.72% | -0.70% | -2 bps | |
| Return on Equity | -6.27% | -5.12% | 0.37% | -6.58% | -6.31% | -4 bps | |
| Net Interest Margin | 3.41% | 3.32% | 3.34% | 3.30% | 3.44% | +3 bps | |
| Efficiency Ratio | 131.23% | 123.78% | 97.97% | 127.28% | 126.32% | -491 bps | |
| Non-Interest Burden | 4.47% | 4.15% | 3.26% | 4.39% | 4.53% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.05% | -8.82% | -6.98% | -8.62% | -9.09% | +196 bps | |
| Loan Growth (YoY) | -8.23% | -7.84% | -8.59% | -9.22% | -11.32% | -309 bps | |
| Deposit Growth (YoY) | -9.18% | -6.79% | -6.22% | -8.67% | -9.18% | 0 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.40% | 0.14% | 1.12% | 1.11% | +59 bps | |
| Allowance / Loans | 1.77% | 1.81% | 1.84% | 1.38% | 1.18% | -59 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 21.16% | 19.77% | 20.26% | 19.59% | 19.78% | -138 bps | |
| Equity / Assets | 10.81% | 10.56% | 10.86% | 11.25% | 11.52% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.38% | 66.13% | 64.93% | 65.62% | 65.79% | -159 bps | |
| Liquid Assets / Assets | 0.03% | 0.01% | 0.01% | 0.34% | 0.00% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |