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Bank of Caneyville

Caneyville, KY · Cert 15068

FDIC · 1 branch

Q3 2016

$47.9MAssets
$17.7MLoans
$43.3MDeposits
$4.5MEquity
Loan mix
87%RE $13.0M7%C&I $1.1M6%Consumer $0.9MQ4 2014Q3 2016
Deposit mix
72%Interest-bearing $31.0M28%Noninterest $12.3MQ4 2014Q3 2016

Executive Summary

  • Earnings: ROA of 1.05%, up 5 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.25%, up 38 bps from a year ago.
  • Funding: loans stand at 40.88% of deposits as of Q3 2016.

Return on Assets (quarter, annualized)

1.05%+5 bps YoY

Net Interest Margin (quarter, annualized)

2.69%+15 bps YoY

Efficiency Ratio (quarter, annualized)

64.33%-45 bps YoY

Tier 1 Leverage Ratio

9.25%+38 bps YoY

NIM

3.22%Q3 ’143.13%Q3 ’153.17%Q3 ’16+1%+6%

Non-interest income vs. expense

1.79%Q3 ’141.83%Q3 ’151.90%Q3 ’16-1%+6%

Discrete quarter, annualized.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.25%0.55%0.93%1.00%0.28%0.61%0.86%1.05%+5 bps
Return on Equity2.84%6.35%10.69%11.26%3.14%6.72%9.59%11.35%+9 bps
Net Interest Margin2.50%2.45%2.55%2.55%2.81%2.60%2.77%2.69%+15 bps
Efficiency Ratio90.86%79.34%66.47%64.77%90.74%78.63%70.60%64.33%-45 bps
Non-Interest Burden2.25%1.90%1.62%1.55%2.52%2.00%1.89%1.64%+9 bps
Growth
Asset Growth (YoY)1.59%0.48%-0.19%-0.38%-2.34%-0.76%-1.71%-3.75%-338 bps
Loan Growth (YoY)-3.41%0.39%2.70%1.21%9.98%9.79%5.09%5.01%+380 bps
Deposit Growth (YoY)1.50%0.40%-0.29%-0.55%-2.63%-1.17%-2.16%-4.28%-373 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.98%0.97%0.92%0.91%0.89%0.88%0.88%0.86%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a8.55%8.76%8.87%9.13%8.89%9.22%9.25%+38 bps
Total Risk-Based Capital20.86%22.31%22.11%21.80%21.69%21.31%21.58%21.32%-48 bps
Equity / Assets8.75%8.57%8.75%8.93%9.13%8.92%9.12%9.35%+42 bps
Liquidity & Funding
Loans / Deposits34.10%34.48%36.53%37.26%38.52%38.30%39.23%40.88%+362 bps
Liquid Assets / Assets61.43%61.15%61.31%60.08%59.84%57.64%55.40%54.83%-525 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a