Haberfeld Success - Core Deposit Growth St Strategiz ize Prosp - - PowerPoint PPT Presentation
Haberfeld Success - Core Deposit Growth St Strategiz ize Prosp sperity Yield on Yield on Earning Assets Securities 4.75 3.25 4.66 3.03 4.65 3.05 4.55 4.55 2.85 2.63 4.45 2.65 4.35 2.45 4.25 2.25 National Median National
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4.55 4.66
4.25 4.35 4.45 4.55 4.65 4.75
National Median Taylor Advisors Median
2.63 3.03
2.25 2.45 2.65 2.85 3.05 3.25
National Median Taylor Advisors Median
Source: Call Report data as of 6/30/2019
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Net Interest Income Dependency is defined as: Net Interest Income/(Net Interest Income + Non-Interest Income)
Source: S&P Global Market Intelligence, Data as of 6/30/19 0.72 0.87 0.95
0.60 0.65 0.70 0.75 0.80 0.85 0.90 0.95 1.00
10th Percentile Median 90th Percentile
2.91 3.80 4.70
2.50 2.75 3.00 3.25 3.50 3.75 4.00 4.25 4.50 4.75 5.00
10th Percentile Median 90th Percentile 4
Performance and Balance Sheet Snapshot - 2019Q1
Strategize Prosperity
700 N. Hurstbourne Parkway Louisville, KY 40222
Performance Rankings
www.tayloradvisor.com
Metric Sample Bank UBPR Peer Group Average** Percentile Rank Yield on Investments (FTE) 2.04 2.73 6% Yield on Total Loans 5.06 5.34 30% Earning Asset Yield (FTE) 4.00 4.67 11% Interest Expense to Avg. Earning Assets 0.40 0.83 12% Net Interest Margin (FTE) 3.61 3.83 33% Return on Average Assets 0.63 1.11 11% Net Interest Income Dependency Ratio 0.77 0.85 14% Metric Sample Bank State Bank Average Percentile Rank Yield on Investments (FTE) 2.04 2.62 11% Yield on Total Loans 5.06 5.20 47% Earning Asset Yield (FTE) 4.00 4.54 10% Interest Expense to Avg. Earning Assets 0.40 0.79 21% Net Interest Margin (FTE) 3.61 3.72 40% Return on Average Assets 0.63 0.89 31% Net Interest Income Dependency Ratio 0.77 0.87 14%
Earning Asset Mix and Balance Sheet Positions
Asset Size ($000) 652,743 Pledged Securities (% of Portfolio) 70% Net Loans ($000) 369,296 57% Liquidity Ratio 29% Security Portfolio ($000) 101,414 16% FHLB Advances and Brokered CDs ($000) Cash and FFS ($000) 143,396 22% Cost of Funds (% of Average Liabilities) 0.41% Municipals (% of Portfolio) 20,074 20% Tier 1 Capital 55,506 MBS (% of Portfolio) 11,891 12% Tier-1 Leverage Ratio (%) 8.64 CMO (% of Portfolio) 10,209 10% Total Risk Based Capital 57,739 Agencies (% of Portfolio) 46,231 46% Total Risk-Based Capital Ratio (%) 13.65 Other Securities (% of Portfolio) 13,009 13% Municipals (% of Total RBC) 35% Net Interest Margin Dissection Net Interest Margin Dissection Earning Asset Mix Investment Portfolio Liquidity and Funding Capital Sample Bank versus UBPR Peer Group* Sample Bank versus State Banks
1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 5.00
Yield on Investments (FTE) Earning Asset Yield (FTE) Net Interest Margin (FTE)
Performance Rankings
Sample Bank UBPR Peer Group Avg. Sample State Average
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