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Bank-Oldham County, Inc., The

La Grange, KY · Cert 33829

FDIC

Q1 2013

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: Q1 2013, the quarter ended March 31, 2013, 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

Bank-Oldham County, Inc., The

La Grange, KY · Cert 33829

FDIC

Q1 2013

$143.3MAssets
$41.7MLoans
$121.7MDeposits
$17.0MEquity
Loan mix
90%RE $34.8M6%C&I $2.5M3%Consumer $1.3MQ1 2012Q1 2013
Deposit mix
76%Interest-bearing $92.7M24%Noninterest $29.0MQ1 2012Q1 2013

NIM

3.29%Q1 ’112.90%Q1 ’122.37%Q1 ’13-8%-18%

Non-interest income vs. expense

3.53%Q1 ’113.38%Q1 ’122.98%Q1 ’13-7%-17%

Executive Summary

  • Earnings: ROA of 0.28%, down 10 bps year over year; NIM at 2.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 34.23% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

0.28%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.27%-48 bps YoY

Efficiency Ratio (YTD, annualized)

90.67%+84 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.38%0.33%0.31%0.29%0.28%-10 bps
Return on Equity3.24%2.79%2.55%2.44%2.33%-91 bps
Net Interest Margin2.76%2.80%2.75%2.46%2.27%-48 bps
Efficiency Ratio89.83%90.98%91.72%91.07%90.67%+84 bps
Non-Interest Burden2.37%2.45%2.43%2.15%1.97%-41 bps
Growth
Asset Growth (YoY)-2.88%-3.78%-2.89%-0.71%1.02%+390 bps
Loan Growth (YoY)-15.38%-11.49%-6.15%-8.98%-11.60%+378 bps
Deposit Growth (YoY)-5.02%-4.51%-1.74%0.52%1.39%+640 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.78%-1.16%-0.84%-0.67%0.00%-78 bps
Allowance / Loans1.63%2.40%2.46%2.56%2.79%+116 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 Capital25.05%25.64%26.54%27.05%28.00%+295 bps
Equity / Assets11.77%12.24%12.51%12.02%11.89%+12 bps
Liquidity & Funding
Loans / Deposits39.26%40.41%40.57%37.41%34.23%-503 bps
Liquid Assets / Assets0.18%0.19%0.19%0.19%0.17%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a