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First National Bank of Central City, The

Central City, KY · Cert 2736

FDIC · 3 branches

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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 Central City, The

Central City, KY · Cert 2736

FDIC · 3 branches

Q2 2015

$145.9MAssets
$82.0MLoans
$112.1MDeposits
$13.2MEquity
Loan mix
88%RE $66.8M6%C&I $4.5M6%Consumer $4.8MQ3 2013Q2 2015
Deposit mix
86%Interest-bearing $96.1M14%Noninterest $16.0MQ3 2013Q2 2015

Executive Summary

  • Earnings: ROA of 0.57%, down 44 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 8.07%.
  • Funding: loans stand at 73.21% of deposits as of Q2 2015.

Return on Assets (YTD, annualized)

0.57%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.89%-36 bps YoY

Efficiency Ratio (YTD, annualized)

72.98%+803 bps YoY

Tier 1 Leverage Ratio

8.07%

NIM

4.03%Q2 ’134.02%Q2 ’143.08%Q2 ’15+2%-11%

Non-interest income vs. expense

2.47%Q2 ’132.52%Q2 ’142.42%Q2 ’15+1%+4%

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.94%0.99%1.01%1.01%0.99%0.96%0.61%0.57%-44 bps
Return on Equity8.89%9.36%9.84%9.68%9.32%8.99%6.28%6.02%-367 bps
Net Interest Margin3.36%3.41%3.19%3.26%3.32%3.36%2.32%2.89%-36 bps
Efficiency Ratio65.92%64.80%64.51%64.95%65.71%65.75%64.61%72.98%+803 bps
Non-Interest Burden2.00%1.99%1.84%1.90%1.97%2.01%1.37%1.97%+7 bps
Growth
Asset Growth (YoY)0.42%-1.14%-1.47%-0.45%-0.52%3.01%0.63%-1.86%-141 bps
Loan Growth (YoY)-1.16%-2.43%-1.61%-1.71%-0.44%1.64%1.18%-2.24%-53 bps
Deposit Growth (YoY)-2.59%-2.70%-4.32%-2.80%-2.95%-1.35%1.46%-1.54%+127 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 / Loans0.11%0.26%-0.03%-0.01%0.53%0.46%-0.03%0.06%+7 bps
Allowance / Loans1.90%1.76%1.85%1.83%1.44%1.45%0.07%0.12%-171 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/a7.87%8.07%n/a
Total Risk-Based Capital20.41%20.65%21.32%21.35%21.46%20.83%15.57%16.23%-512 bps
Equity / Assets10.49%10.61%9.97%10.69%11.19%10.79%8.52%9.06%-163 bps
Liquidity & Funding
Loans / Deposits75.02%74.65%69.69%73.74%76.96%76.92%69.49%73.21%-52 bps
Liquid Assets / Assets4.05%4.49%13.13%8.68%5.07%7.44%11.59%8.28%-40 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a