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

Deposit mix

NIM

Earnings: ROA of 0.52%, down 47 bps year over year; NIM at 3.43%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.

Return on Assets (quarter, annualized)

0.52%-47 bps YoY

Net Interest Margin (quarter, annualized)

3.43%+15 bps YoY

Efficiency Ratio (quarter, annualized)

78.67%+1,328 bps YoY

Tier 1 Leverage Ratio

8.07%

Discrete quarter, annualized.

Metric	Q2 2014	Q3 2014	Q4 2014	Q1 2015	Q2 2015	YoY Δ	Trend
Earnings
Return on Assets	0.99%	0.94%	0.88%	0.61%	0.52%	-47 bps
Return on Equity	9.59%	8.60%	7.97%	6.28%	5.94%	-365 bps
Net Interest Margin	3.28%	3.39%	3.42%	2.32%	3.43%	+15 bps
Efficiency Ratio	65.39%	67.21%	65.88%	64.61%	78.67%	+1,328 bps
Non-Interest Burden	1.93%	2.09%	2.05%	1.37%	2.56%	+63 bps
Growth
Asset Growth (YoY)	-0.45%	-0.52%	3.01%	0.63%	-1.86%	-141 bps
Loan Growth (YoY)	-1.71%	-0.44%	1.64%	1.18%	-2.24%	-53 bps
Deposit Growth (YoY)	-2.80%	-2.95%	-1.35%	1.46%	-1.54%	+127 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.01%	1.63%	0.24%	-0.03%	0.15%	+14 bps
Allowance / Loans	1.83%	1.44%	1.45%	0.07%	0.12%	-171 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	7.87%	8.07%	n/a
Total Risk-Based Capital	21.35%	21.46%	20.83%	15.57%	16.23%	-512 bps
Equity / Assets	10.69%	11.19%	10.79%	8.52%	9.06%	-163 bps
Liquidity & Funding
Loans / Deposits	73.74%	76.96%	76.92%	69.49%	73.21%	-52 bps
Liquid Assets / Assets	8.68%	5.07%	7.44%	11.59%	8.28%	-40 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a