PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Harrison Deposit Bank and Trust Company, The

Cynthiana, KY · Cert 11361

FDIC

Q4 2012

$51.6MAssets
$22.9MLoans
$43.7MDeposits
$5.5MEquity
Loan mix
94%RE $21.0M4%C&I $0.9M3%Consumer $0.6MQ4 2011Q4 2012
Deposit mix
79%Interest-bearing $34.6M21%Noninterest $9.1MQ4 2011Q4 2012

NIM

3.59%Q4 ’103.14%Q4 ’112.85%Q4 ’12-7%-6%

Non-interest income vs. expense

1.97%Q4 ’102.11%Q4 ’112.13%Q4 ’12+12%+0%

Executive Summary

  • Earnings: ROA of 0.89%, up 54 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 52.36% of deposits as of Q4 2012.

Financial Results

Return on Assets (quarter, annualized)

0.89%+54 bps YoY

Net Interest Margin (quarter, annualized)

2.40%-15 bps YoY

Efficiency Ratio (quarter, annualized)

78.43%+451 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.35%0.91%0.79%0.72%0.89%+54 bps
Return on Equity3.28%8.71%7.42%6.59%8.27%+499 bps
Net Interest Margin2.55%2.49%2.49%2.52%2.40%-15 bps
Efficiency Ratio73.92%72.28%75.96%75.69%78.43%+451 bps
Non-Interest Burden1.81%1.70%1.80%1.83%1.82%+1 bps
Growth
Asset Growth (YoY)-2.91%-1.46%-0.14%-0.15%-0.92%+199 bps
Loan Growth (YoY)-7.79%-5.95%-5.75%-5.24%1.01%+880 bps
Deposit Growth (YoY)-3.41%-1.74%0.83%2.85%1.91%+532 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.47%0.24%0.00%0.00%0.00%-147 bps
Allowance / Loans0.66%0.65%0.65%0.64%0.63%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital21.34%21.90%21.43%21.74%21.67%+33 bps
Equity / Assets10.48%10.47%10.94%11.02%10.62%+15 bps
Liquidity & Funding
Loans / Deposits52.82%52.19%53.78%53.05%52.36%-47 bps
Liquid Assets / Assets13.40%11.35%9.60%10.40%20.85%+744 bps
CRE / Total Capitaln/an/an/an/an/an/an/a