PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Bank of Kentucky

Bardstown, KY · Cert 31626

FDIC

Q3 2003

$68.1MAssets
$55.9MLoans
$45.2MDeposits
$6.9MEquity
Loan mix
86%RE $31.8M14%C&I $5.3M0%Consumer $0.1MQ4 2001Q3 2003
Deposit mix
92%Interest-bearing $41.4M8%Noninterest $3.8MQ4 2001Q3 2003

Executive Summary

  • Earnings: ROA of 0.58%, down 24 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 123.80% of deposits as of Q3 2003.

Return on Assets (YTD, annualized)

0.58%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.48%-37 bps YoY

Efficiency Ratio (YTD, annualized)

74.32%+796 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.48%Q3 ’015.97%Q3 ’024.95%Q3 ’03-11%-13%

Non-interest income vs. expense

2.31%Q3 ’012.09%Q3 ’022.30%Q3 ’03-14%-6%

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.63%0.92%0.91%0.82%0.74%0.69%0.71%0.58%-24 bps
Return on Equityn/a7.12%7.08%6.47%5.79%5.58%6.06%5.14%-133 bps
Net Interest Margin3.09%2.89%2.98%2.84%2.82%2.82%2.54%2.48%-37 bps
Efficiency Ratio70.42%58.33%59.64%66.37%69.70%67.08%67.52%74.32%+796 bps
Non-Interest Burden2.12%1.59%1.67%1.78%1.85%1.67%1.52%1.68%-10 bps
Growth
Asset Growth (YoY)-1.22%4.50%8.72%6.61%-0.93%12.01%14.89%20.98%+1,437 bps
Loan Growth (YoY)-14.03%-6.81%4.05%12.39%13.28%24.05%20.75%26.49%+1,410 bps
Deposit Growth (YoY)15.69%7.16%4.54%11.52%-1.71%13.29%36.68%27.03%+1,551 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 / Loans0.04%0.00%0.02%0.02%0.01%0.00%0.05%0.03%+2 bps
Allowance / Loans1.01%1.00%0.92%0.90%0.93%0.89%0.81%0.74%-16 bps
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 Capital22.33%21.18%20.01%18.40%18.68%16.97%15.82%14.54%-386 bps
Equity / Assets12.68%13.13%12.66%12.45%12.90%11.77%10.83%10.13%-233 bps
Liquidity & Funding
Loans / Deposits112.37%122.08%131.05%124.33%129.51%133.68%115.78%123.80%-53 bps
Liquid Assets / Assets0.39%0.17%0.25%0.87%0.62%0.37%0.29%0.26%-61 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a