PackageTrendsPeer
Letter portraitLegal landscape

First Commonwealth Bank of Prestonsburg, Inc., The

Prestonsburg, KY · Cert 2721

FDIC · 8 branches

Q1 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: Q1 2019, the quarter ended March 31, 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 2026-10-10

First Commonwealth Bank of Prestonsburg, Inc., The

Prestonsburg, KY · Cert 2721

FDIC · 8 branches

Q1 2019

$297.7MAssets
$136.5MLoans
$239.4MDeposits
$35.3MEquity
Loan mix
84%RE $104.5M12%C&I $15.2M4%Consumer $5.2MQ1 2018Q1 2019
Deposit mix
72%Interest-bearing $172.7M28%Noninterest $66.7MQ1 2018Q1 2019

NIM

3.39%Q1 ’173.49%Q1 ’183.62%Q1 ’19+3%0%

Non-interest income vs. expense

2.88%Q1 ’172.95%Q1 ’183.47%Q1 ’19+18%+2%

Executive Summary

  • Earnings: ROA of 0.58%, down 7 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.66% of loans (-135 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.82%, up 85 bps from a year ago.
  • Funding: loans stand at 57.01% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.58%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-1 bps YoY

Efficiency Ratio (YTD, annualized)

82.52%+357 bps YoY

Tier 1 Leverage Ratio

11.82%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.64%0.95%1.15%1.13%0.58%-7 bps
Return on Equity6.14%9.16%11.25%10.96%5.13%-101 bps
Net Interest Margin3.17%3.24%3.26%3.26%3.16%-1 bps
Efficiency Ratio78.95%72.40%68.59%68.07%82.52%+357 bps
Non-Interest Burden2.44%2.17%1.99%1.96%2.48%+4 bps
Growth
Asset Growth (YoY)7.43%-8.00%-5.23%-4.22%-4.26%-1,168 bps
Loan Growth (YoY)9.06%-9.90%-7.73%-5.30%-3.55%-1,261 bps
Deposit Growth (YoY)13.97%-3.95%-2.85%-6.70%-6.17%-2,014 bps
Asset Quality
Nonperforming Loans / Loans2.01%1.79%0.89%0.89%0.66%-135 bps
Net Charge-Offs / Loans0.10%0.10%0.14%0.14%0.07%-3 bps
Allowance / Loans1.23%1.27%1.27%1.27%1.33%+10 bps
Allowance Coverage of NPLs0.6x0.7x1.4x1.4x2.0x+1.4x
Capital
Tier 1 Leverage Ratio10.97%11.22%11.25%11.37%11.82%+85 bps
Total Risk-Based Capital22.30%22.61%22.70%22.80%24.16%+186 bps
Equity / Assets10.14%10.01%9.74%10.73%11.86%+172 bps
Liquidity & Funding
Loans / Deposits55.46%56.37%56.46%58.72%57.01%+155 bps
Liquid Assets / Assets2.43%2.99%2.99%2.61%3.03%+60 bps
CRE / Total Capitaln/an/an/an/an/an/an/a