Paducah, KY · Charter 9913
Q1 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.27% | 1.20% | 0.70% | 0.91% | 1.18% | 1.14% | 1.42% | +72 bps | |
| Return on Equity | 16.21% | 14.15% | 12.79% | 7.34% | 9.35% | 11.78% | 11.28% | 13.64% | +630 bps | |
| Net Interest Margin | 3.40% | 3.32% | 3.40% | 3.75% | 3.51% | 3.57% | 3.49% | 3.73% | -2 bps | |
| Efficiency Ratio | 60.18% | 57.82% | 61.25% | 59.16% | 63.37% | 61.05% | 61.48% | 57.95% | -121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.63% | 13.30% | 5.96% | 2.41% | 0.07% | -0.62% | 3.09% | 2.32% | -9 bps | |
| Loan Growth (YoY) | 9.80% | 8.35% | 11.08% | 6.85% | 1.79% | 2.20% | 1.83% | 3.81% | -304 bps | |
| Share Growth (YoY) | 12.22% | 13.09% | 5.08% | 1.58% | -0.98% | -1.85% | 2.41% | 1.40% | -17 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.84% | 5.77% | 10.41% | 3.03% | 10.65% | 9.30% | 10.76% | 4.82% | +179 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.56% | 1.62% | 2.00% | 2.02% | 1.92% | 1.97% | 1.98% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.84% | 8.98% | 9.35% | 9.58% | 9.76% | 10.01% | 10.08% | 10.42% | +84 bps | |
| Net Worth / Assets | 8.84% | 8.98% | 9.35% | 9.58% | 9.76% | 10.01% | 10.08% | 10.42% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.68% | 72.42% | 73.90% | 73.05% | 71.63% | 75.40% | 73.48% | 74.79% | +173 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |