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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 0.84%, up 2 bps year over year; NIM at 2.72%.
  • 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 (YTD, annualized)

0.84%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+20 bps YoY

Efficiency Ratio (YTD, annualized)

71.15%+109 bps YoY

Tier 1 Leverage Ratio

9.25%+38 bps YoY

NIM

3.21%Q3 ’143.12%Q3 ’153.22%Q3 ’16+1%+8%

Non-interest income vs. expense

1.85%Q3 ’141.93%Q3 ’152.10%Q3 ’16+4%+10%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.91%0.55%0.74%0.82%0.69%0.61%0.74%0.84%+2 bps
Return on Equity10.56%6.35%8.49%9.41%7.82%6.72%8.15%9.22%-20 bps
Net Interest Margin2.51%2.45%2.51%2.52%2.63%2.60%2.73%2.72%+20 bps
Efficiency Ratio73.64%79.34%72.79%70.06%75.60%78.63%74.55%71.15%+109 bps
Non-Interest Burden1.79%1.90%1.77%1.69%1.93%2.00%1.98%1.87%+17 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 / Loans0.02%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