Louisa, KY · Cert 9679
FDIC · 2 branches
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.50% | 0.08% | 0.53% | 0.26% | 0.33% | -0.14% | 0.48% | -5 bps | |
| Return on Equity | 2.68% | 3.54% | 0.58% | 3.84% | 1.88% | 2.33% | -1.00% | 3.35% | -49 bps | |
| Net Interest Margin | 3.82% | 3.80% | 3.75% | 3.78% | 3.60% | 3.59% | 3.52% | 3.55% | -23 bps | |
| Efficiency Ratio | 96.45% | 88.41% | 96.75% | 90.13% | 94.88% | 92.51% | 103.11% | 89.10% | -103 bps | |
| Non-Interest Burden | 3.65% | 3.27% | 3.60% | 3.33% | 3.37% | 3.26% | 3.66% | 3.06% | -27 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 | 0.00% | 0.00% | 0.00% | 3.75% | 0.07% | 0.04% | -0.02% | 0.04% | -370 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 |