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First National Bank of Jackson, The

Jackson, KY · Cert 2698

FDIC · 2 branches

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

First National Bank of Jackson, The

Jackson, KY · Cert 2698

FDIC · 2 branches

Q3 2019

$100.9MAssets
$43.3MLoans
$84.8MDeposits
$15.5MEquity
Loan mix
76%RE $29.6M11%C&I $4.4M13%Consumer $5.1MQ3 2018Q3 2019
Deposit mix
79%Interest-bearing $66.7M21%Noninterest $18.1MQ3 2018Q3 2019

NIM

3.16%Q3 ’173.34%Q3 ’183.48%Q3 ’19+5%+2%

Non-interest income vs. expense

2.80%Q3 ’172.90%Q3 ’183.12%Q3 ’19+3%+2%

Executive Summary

  • Earnings: ROA of 0.27%, up 2 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 3.49% of loans (+25 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 14.96%, up 71 bps from a year ago.
  • Funding: loans stand at 51.03% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.27%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+5 bps YoY

Efficiency Ratio (YTD, annualized)

90.90%+28 bps YoY

Tier 1 Leverage Ratio

14.96%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.25%0.13%0.66%0.40%0.27%+2 bps
Return on Equity1.89%0.98%4.62%2.74%1.81%-9 bps
Net Interest Margin2.75%2.81%2.81%2.81%2.80%+5 bps
Efficiency Ratio90.62%94.42%80.95%87.22%90.90%+28 bps
Non-Interest Burden2.45%2.63%2.08%2.35%2.49%+4 bps
Growth
Asset Growth (YoY)-3.74%-4.78%-1.77%-0.86%-1.57%+217 bps
Loan Growth (YoY)13.66%10.27%8.05%1.78%-1.46%-1,511 bps
Deposit Growth (YoY)-2.21%-3.31%-3.69%-2.56%-4.32%-211 bps
Asset Quality
Nonperforming Loans / Loans3.24%2.99%2.91%3.02%3.49%+25 bps
Net Charge-Offs / Loans0.12%0.10%0.06%0.10%0.09%-3 bps
Allowance / Loans0.55%0.53%0.55%0.55%0.55%0 bps
Allowance Coverage of NPLs0.2x0.2x0.2x0.2x0.2x0.0x
Capital
Tier 1 Leverage Ratio14.25%14.59%14.93%14.76%14.96%+71 bps
Total Risk-Based Capital31.80%31.92%32.30%32.84%32.82%+103 bps
Equity / Assets12.96%13.85%14.60%14.96%15.35%+239 bps
Liquidity & Funding
Loans / Deposits49.55%53.07%52.78%50.41%51.03%+148 bps
Liquid Assets / Assets1.76%1.85%3.05%4.14%2.41%+66 bps
CRE / Total Capitaln/an/an/an/an/an/an/a