PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Clinton County, Inc.

Albany, KY · Cert 21015

FDIC

Q2 2002

$40.4MAssets
$28.8MLoans
$35.5MDeposits
$4.1MEquity
Deposit mix
88%Interest-bearing $31.3M12%Noninterest $4.1MQ3 2000Q2 2002

Executive Summary

  • Earnings: ROA of 1.17%, up 39 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.36%.
  • Funding: loans stand at 81.24% of deposits as of Q2 2002.

Return on Assets (YTD, annualized)

1.17%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.41%+10 bps YoY

Efficiency Ratio (YTD, annualized)

64.08%-357 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.86%Q1 ’018.66%Q2 ’017.31%Q2 ’02-3%+2%

Non-interest income vs. expense

3.45%Q1 ’013.60%Q2 ’013.44%Q2 ’02+7%-4%

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.30%1.27%1.21%0.78%0.72%0.76%1.42%1.17%+39 bps
Return on Equityn/an/an/an/an/an/a14.36%11.68%n/a
Net Interest Marginn/an/a4.43%4.32%4.17%4.07%4.33%4.41%+10 bps
Efficiency Ration/an/a63.08%67.65%70.24%68.21%65.23%64.08%-357 bps
Non-Interest Burdenn/an/a2.41%2.59%2.63%2.46%2.52%2.48%-11 bps
Growth
Asset Growth (YoY)1.88%10.77%7.19%7.25%9.97%-3.18%-2.35%-3.40%-1,065 bps
Loan Growth (YoY)3.07%5.74%7.08%3.14%-2.46%-2.18%-4.55%-3.25%-639 bps
Deposit Growth (YoY)3.60%13.62%10.58%14.48%19.54%3.28%3.14%-1.82%-1,630 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 / Loansn/an/a0.22%0.77%0.69%0.53%0.85%1.36%+60 bps
Allowance / Loansn/an/a1.24%1.37%1.48%1.70%1.79%1.67%+30 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a13.92%14.44%14.83%14.80%15.55%15.67%+123 bps
Equity / Assetsn/an/a9.76%9.59%9.46%9.84%9.98%10.16%+57 bps
Liquidity & Funding
Loans / Deposits92.86%87.10%88.98%82.44%75.76%82.50%82.35%81.24%-120 bps
Liquid Assets / Assets0.00%0.00%0.22%0.22%0.21%0.22%0.24%0.19%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a