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Vine Street Trust Company, The

Lexington, KY · Cert 27375

FDIC

Q2 2002

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 2002, the quarter ended June 30, 2002, 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

Vine Street Trust Company, The

Lexington, KY · Cert 27375

FDIC

Q2 2002

$333.8MAssets
$321.9MLoans
$238.1MDeposits
$29.4MEquity
Loan mix
58%RE $61.1M41%C&I $43.5M1%Consumer $1.1MQ2 2001Q2 2002
Deposit mix
83%Interest-bearing $198.8M17%Noninterest $39.3MQ2 2001Q2 2002

NIM

8.41%Q1 ’018.35%Q2 ’012.95%Q2 ’02+5%-56%

Non-interest income vs. expense

2.61%Q1 ’012.46%Q2 ’011.22%Q2 ’02+1%-44%

Executive Summary

  • Earnings: ROA of 0.64%, down 113 bps year over year; NIM at 1.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 135.20% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.64%-113 bps YoY

Net Interest Margin (YTD, annualized)

1.97%-247 bps YoY

Efficiency Ratio (YTD, annualized)

52.79%+662 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.77%1.74%1.62%0.00%0.64%-113 bps
Return on Equityn/an/an/a0.00%7.02%n/a
Net Interest Margin4.44%4.37%4.14%0.00%1.97%-247 bps
Efficiency Ratio46.17%46.40%47.39%n/a52.79%+662 bps
Non-Interest Burden1.57%1.57%1.53%0.00%0.88%-69 bps
Growth
Asset Growth (YoY)8.29%6.67%9.09%8.03%20.05%+1,176 bps
Loan Growth (YoY)12.96%18.31%21.72%17.56%25.34%+1,238 bps
Deposit Growth (YoY)7.60%-1.49%3.53%4.23%5.14%-246 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.01%-1 bps
Allowance / Loans1.10%1.06%1.13%2.05%1.89%+80 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 Capital12.01%11.96%11.75%11.40%10.76%-125 bps
Equity / Assets9.95%9.74%9.49%9.09%8.82%-114 bps
Liquidity & Funding
Loans / Deposits113.41%119.12%116.12%115.70%135.20%+2,179 bps
Liquid Assets / Assets0.06%0.02%0.04%0.05%0.00%-6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a