PackageTrendsPeer
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Central Kentucky Federal Savings Bank

Danville, KY · Cert 31156

FDIC

Q4 2012

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: Q4 2012, the quarter ended December 31, 2012, 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

Central Kentucky Federal Savings Bank

Danville, KY · Cert 31156

FDIC

Q4 2012

$120.5MAssets
$97.1MLoans
$100.4MDeposits
$13.1MEquity
Loan mix
95%RE $88.6M4%C&I $3.4M2%Consumer $1.6MQ1 2011Q4 2012
Deposit mix
98%Interest-bearing $98.7M2%Noninterest $1.7MQ1 2011Q4 2012

Executive Summary

  • Earnings: ROA of 0.31%, up 85 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 96.69% of deposits as of Q4 2012.

Return on Assets (YTD, annualized)

0.31%+85 bps YoY

Net Interest Margin (YTD, annualized)

3.47%

Efficiency Ratio (YTD, annualized)

73.61%

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.90%Q1 ’124.78%Q3 ’124.73%Q4 ’12-2%-1%

Non-interest income vs. expense

2.53%Q1 ’122.59%Q3 ’122.60%Q4 ’12+6%-2%

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.20%0.23%0.28%-0.54%0.40%0.23%0.29%0.31%+85 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.59%3.53%3.51%3.47%n/a
Efficiency Ration/an/an/an/a68.46%76.28%73.76%73.61%n/a
Non-Interest Burdenn/an/an/an/a2.43%2.71%2.58%2.54%n/a
Growth
Asset Growth (YoY)-0.60%-0.52%-1.33%-2.69%-3.27%-4.34%-5.16%-5.07%-238 bps
Loan Growth (YoY)-2.86%-0.90%0.78%0.12%0.86%-4.07%-7.87%-9.18%-930 bps
Deposit Growth (YoY)6.17%5.07%3.04%-0.83%-0.60%-0.82%-1.97%-0.41%+42 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 / Loansn/an/an/an/a0.47%0.67%0.67%0.54%n/a
Allowance / Loansn/an/an/an/a1.79%1.74%1.78%1.94%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a17.83%18.19%19.02%19.52%n/a
Equity / Assetsn/an/an/an/a10.16%10.23%10.42%10.84%n/a
Liquidity & Funding
Loans / Deposits102.20%103.85%104.77%106.03%103.71%100.46%98.46%96.69%-934 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%11.25%12.90%14.59%14.85%+1,485 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a