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Brownsville Deposit Bank

Brownsville, KY · Cert 1877

FDIC

Q4 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Brownsville Deposit Bank

Brownsville, KY · Cert 1877

FDIC

Q4 2005

$52.3MAssets
$43.1MLoans
$35.2MDeposits
$4.7MEquity
Loan mix
89%RE $26.3M10%C&I $2.9M1%Consumer $0.2MQ4 2004Q4 2005
Deposit mix
87%Interest-bearing $30.5M13%Noninterest $4.7MQ4 2004Q4 2005

NIM

6.32%Q4 ’036.51%Q4 ’046.78%Q4 ’05+12%+1%

Non-interest income vs. expense

2.91%Q4 ’032.98%Q4 ’042.93%Q4 ’05+3%-14%

Executive Summary

  • Earnings: ROA of 1.50%, up 26 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 122.59% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.50%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.29%+4 bps YoY

Efficiency Ratio (YTD, annualized)

55.65%-434 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.24%1.43%1.73%1.61%1.50%+26 bps
Return on Equity15.05%17.42%20.55%18.86%17.40%+235 bps
Net Interest Margin4.25%4.18%4.25%4.35%4.29%+4 bps
Efficiency Ratio59.99%53.64%50.51%52.99%55.65%-434 bps
Non-Interest Burden2.26%1.93%1.54%1.79%1.95%-31 bps
Growth
Asset Growth (YoY)10.08%3.38%0.17%5.76%-3.99%-1,407 bps
Loan Growth (YoY)9.54%9.16%-1.14%-2.68%-6.92%-1,646 bps
Deposit Growth (YoY)-0.26%-1.48%-4.03%-0.03%-13.75%-1,349 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.03%0.19%0.09%0.12%+7 bps
Allowance / Loans1.02%1.05%1.07%1.11%1.12%+10 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 Capital11.61%11.15%12.63%12.64%13.48%+187 bps
Equity / Assets8.19%8.21%8.89%8.89%8.99%+81 bps
Liquidity & Funding
Loans / Deposits113.59%111.43%108.31%112.52%122.59%+900 bps
Liquid Assets / Assets1.81%1.68%0.15%0.13%0.20%-161 bps
CRE / Total Capitaln/an/an/an/an/an/an/a