Louisa, KY · Cert 9679
FDIC · 2 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.
Louisa, KY · Cert 9679
FDIC · 2 branches
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.50% | 0.29% | 0.37% | 0.35% | 0.33% | 0.09% | 0.22% | -15 bps | |
| Return on Equity | 1.82% | 3.54% | 2.09% | 2.65% | 2.46% | 2.33% | 0.65% | 1.57% | -108 bps | |
| Net Interest Margin | 3.93% | 3.80% | 3.80% | 3.88% | 3.83% | 3.59% | 3.56% | 3.56% | -32 bps | |
| Efficiency Ratio | 91.00% | 88.41% | 92.55% | 91.75% | 92.53% | 92.51% | 97.71% | 94.81% | +306 bps | |
| Non-Interest Burden | 3.51% | 3.27% | 3.46% | 3.49% | 3.48% | 3.26% | 3.46% | 3.33% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.98% | -2.98% | -6.93% | -5.39% | -4.87% | -4.14% | 0.01% | -0.25% | +514 bps | |
| Loan Growth (YoY) | -8.17% | -7.55% | -8.56% | -7.01% | -6.28% | -6.58% | -0.61% | 1.63% | +863 bps | |
| Deposit Growth (YoY) | -0.54% | -2.57% | -5.93% | -4.38% | -3.86% | -3.72% | -0.30% | -1.15% | +324 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 | -0.54% | 0.00% | 0.00% | 1.25% | 0.96% | 0.04% | 0.01% | 0.02% | -123 bps | |
| Allowance / Loans | 2.29% | 2.30% | 2.36% | 1.48% | 1.48% | 1.48% | 1.43% | 1.42% | -6 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 | 29.42% | 28.54% | 29.09% | 30.46% | 30.69% | 31.04% | 30.56% | 31.09% | +63 bps | |
| Equity / Assets | 14.42% | 14.03% | 13.87% | 13.96% | 14.00% | 13.96% | 14.22% | 14.75% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.04% | 45.36% | 46.06% | 45.99% | 45.86% | 44.01% | 45.91% | 47.28% | +129 bps | |
| Liquid Assets / Assets | 11.57% | 9.78% | 6.79% | 7.19% | 8.03% | 9.38% | 8.30% | 9.89% | +270 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |