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Tri-County National Bank

Corbin, KY · Cert 26376

FDIC

Q3 2007

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: Q3 2007, the quarter ended September 30, 2007, 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 2026-10-10

Tri-County National Bank

Corbin, KY · Cert 26376

FDIC

Q3 2007

$99.8MAssets
$76.5MLoans
$85.0MDeposits
$9.4MEquity
Deposit mix
84%Interest-bearing $71.1M16%Noninterest $13.9MQ3 2006Q3 2007

NIM

5.54%Q3 ’056.09%Q3 ’066.52%Q3 ’07-4%+1%

Non-interest income vs. expense

3.45%Q3 ’053.46%Q3 ’063.80%Q3 ’07-4%+8%

Executive Summary

  • Earnings: ROA of 0.55%, down 14 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 90.06% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.55%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+3 bps YoY

Efficiency Ratio (YTD, annualized)

79.90%+459 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.69%0.62%0.58%0.55%0.55%-14 bps
Return on Equity7.81%7.12%6.78%6.30%6.19%-162 bps
Net Interest Margin3.73%3.65%3.65%3.74%3.76%+3 bps
Efficiency Ratio75.30%76.82%77.98%79.76%79.90%+459 bps
Non-Interest Burden2.63%2.66%2.67%2.82%2.84%+21 bps
Growth
Asset Growth (YoY)4.95%8.76%6.86%3.74%5.95%+100 bps
Loan Growth (YoY)10.23%6.73%8.42%6.77%9.24%-100 bps
Deposit Growth (YoY)5.17%6.41%9.81%3.03%0.04%-513 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.08%0.02%0.05%0.05%+1 bps
Allowance / Loans1.53%1.44%1.44%1.48%1.42%-11 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 Capital15.78%14.51%15.62%15.78%14.97%-80 bps
Equity / Assets9.00%8.04%9.09%9.35%9.38%+38 bps
Liquidity & Funding
Loans / Deposits82.48%82.05%82.44%84.85%90.06%+758 bps
Liquid Assets / Assets0.07%0.05%0.05%0.07%0.08%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a