Greensburg, KY · Cert 9314
FDIC · 21 branches
Q1 2023
Market Position · Louisville/Jefferson County, KY-IN · 2022 SOD (annual) · 1.0% share · #13 of 40 inst. · $0.4B of $43.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.49% | 1.20% | 1.19% | 1.35% | 1.82% | 1.61% | 1.33% | +14 bps | |
| Return on Equity | 11.45% | 12.32% | 10.03% | 10.15% | 11.65% | 16.20% | 14.46% | 11.74% | +159 bps | |
| Net Interest Margin | 3.43% | 3.62% | 3.34% | 3.36% | 3.49% | 3.75% | 3.85% | 3.56% | +19 bps | |
| Efficiency Ratio | 55.88% | 54.09% | 55.45% | 54.76% | 53.54% | 52.16% | 50.22% | 52.54% | -222 bps | |
| Non-Interest Burden | 1.63% | 1.68% | 1.59% | 1.55% | 1.57% | 1.66% | 1.64% | 1.61% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | 4.73% | 7.87% | 3.71% | 6.11% | 10.39% | 3.24% | 5.89% | +218 bps | |
| Loan Growth (YoY) | -2.90% | -0.65% | 4.13% | 6.99% | 13.34% | 16.51% | 10.98% | 8.78% | +179 bps | |
| Deposit Growth (YoY) | 1.32% | 4.66% | 7.89% | 2.62% | 2.46% | 6.16% | -0.44% | 2.31% | -32 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.17% | 0.31% | 0.33% | 0.28% | 0.09% | 0.08% | 0.08% | -25 bps | |
| Net Charge-Offs / Loans | 0.05% | -0.01% | 0.78% | 0.03% | 0.04% | -0.61% | 0.05% | -0.04% | -7 bps | |
| Allowance / Loans | 1.33% | 1.34% | 1.15% | 1.16% | 1.17% | 1.16% | 1.17% | 1.26% | +10 bps | |
| Allowance Coverage of NPLs | 8.3x | 8.0x | 3.7x | 3.5x | 4.2x | 12.4x | 15.2x | 16.4x | +12.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.55% | 10.96% | 10.84% | 11.20% | 11.39% | 11.56% | 11.59% | 11.80% | +60 bps | |
| Total Risk-Based Capital | 14.11% | 13.80% | 13.31% | 13.17% | 13.35% | 13.53% | 14.01% | 14.08% | +91 bps | |
| Equity / Assets | 11.98% | 12.24% | 11.75% | 11.65% | 11.46% | 10.99% | 11.34% | 11.35% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.89% | 84.12% | 82.56% | 87.15% | 91.69% | 92.31% | 92.03% | 92.67% | +551 bps | |
| Liquid Assets / Assets | 9.18% | 6.87% | 8.06% | 4.82% | 4.42% | 6.35% | 5.55% | 5.62% | +80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |