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Lawrenceburg National Bank, The

Harrodsburg, KY · Cert 2752

FDIC

Q1 2010

$244.6MAssets
$122.7MLoans
$195.6MDeposits
$16.1MEquity
Loan mix
92%RE $87.9M7%C&I $6.9M0%Consumer $0.3MQ1 2009Q1 2010
Deposit mix
93%Interest-bearing $182.2M7%Noninterest $13.4MQ1 2009Q1 2010

NIM

6.26%Q1 ’085.11%Q1 ’094.74%Q1 ’10-20%+12%

Non-interest income vs. expense

2.42%Q1 ’082.23%Q1 ’092.39%Q1 ’100%+10%

Executive Summary

  • Earnings: ROA of 0.61%, up 19 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.60%.
  • Funding: loans stand at 62.73% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

0.61%1+19 bps YoY

Net Interest Margin (YTD, annualized)

2.67%+29 bps YoY

Efficiency Ratio (YTD, annualized)

76.96%-158 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.42%0.45%10.41%10.37%0.61%1+19 bps
Return on Equity8.94%9.37%8.11%7.08%9.76%+82 bps
Net Interest Margin2.38%2.30%2.38%2.45%2.67%+29 bps
Efficiency Ratio78.54%82.48%78.64%78.09%76.96%-158 bps
Non-Interest Burden1.78%1.82%1.76%1.80%1.96%+18 bps
Growth
Asset Growth (YoY)14.30%13.74%13.23%2.55%-4.52%-1,882 bps
Loan Growth (YoY)3.43%-2.07%0.45%-2.78%-3.85%-728 bps
Deposit Growth (YoY)17.01%15.90%13.54%1.65%-5.93%-2,294 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.63%0.66%0.56%0.56%0.60%-2 bps
Allowance / Loans1.32%1.42%1.52%1.67%1.71%+38 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 Capital10.49%11.18%11.18%11.50%12.86%+237 bps
Equity / Assets4.38%5.11%5.89%5.88%6.58%+220 bps
Liquidity & Funding
Loans / Deposits61.38%60.48%63.51%63.30%62.73%+135 bps
Liquid Assets / Assets10.59%5.73%2.96%3.48%7.33%-326 bps
CRE / Total Capitaln/an/an/an/an/an/an/a