PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Whitesburg, The

Whitesburg, KY · Cert 280

FDIC

Q2 2001

$152.1MAssets
$101.9MLoans
$136.7MDeposits
$12.5MEquity
Loan mix
69%RE $37.8M31%C&I $16.8M0%Consumer $0.0MQ2 2000Q2 2001
Deposit mix
91%Interest-bearing $124.4M9%Noninterest $12.4MQ2 2000Q2 2001

NIM

8.37%Q1 ’018.21%Q2 ’01-2%

Non-interest income vs. expense

2.80%Q1 ’012.86%Q2 ’01+5%

Executive Summary

  • Earnings: ROA of 0.89%, down 14 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.44%.
  • Funding: loans stand at 74.51% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.89%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.88%

Efficiency Ratio (YTD, annualized)

67.96%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.03%1.02%0.97%1.07%0.89%-14 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.95%3.88%n/a
Efficiency Ration/an/an/a64.55%67.96%n/a
Non-Interest Burdenn/an/an/a2.41%2.53%n/a
Growth
Asset Growth (YoY)-5.48%-3.83%-0.75%-0.09%3.50%+898 bps
Loan Growth (YoY)-1.71%-2.64%-2.60%-1.21%-2.67%-96 bps
Deposit Growth (YoY)-6.17%-5.20%-3.03%-1.24%2.74%+891 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.32%0.44%n/a
Allowance / Loansn/an/an/a2.26%2.25%n/a
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 Capitaln/an/an/a13.05%13.31%n/a
Equity / Assetsn/an/an/a8.13%8.21%n/a
Liquidity & Funding
Loans / Deposits78.65%79.57%77.77%76.42%74.51%-414 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a