PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.3MQ2 2011Q1 2013
Deposit mix
76%Interest-bearing $92.7M24%Noninterest $29.0MQ2 2011Q1 2013

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.

Return on Assets (quarter, annualized)

0.28%-10 bps YoY

Net Interest Margin (quarter, annualized)

2.27%-48 bps YoY

Efficiency Ratio (quarter, annualized)

90.67%+84 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

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%

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.28%0.46%0.43%0.38%0.28%0.26%0.26%0.28%-10 bps
Return on Equity2.54%3.94%3.62%3.24%2.36%2.08%2.11%2.33%-91 bps
Net Interest Margin2.94%3.11%2.63%2.76%2.75%2.63%2.31%2.27%-48 bps
Efficiency Ratio89.26%86.67%87.85%89.83%92.14%93.25%88.99%90.67%+84 bps
Non-Interest Burden2.52%2.55%2.19%2.37%2.45%2.38%1.95%1.97%-41 bps
Growth
Asset Growth (YoY)6.99%2.61%-1.68%-2.88%-3.78%-2.89%-0.71%1.02%+390 bps
Loan Growth (YoY)-14.74%-17.56%-15.98%-15.38%-11.49%-6.15%-8.98%-11.60%+378 bps
Deposit Growth (YoY)7.85%1.53%-3.63%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.47%0.02%0.78%-3.10%-0.16%-0.10%0.00%-78 bps
Allowance / Loans1.69%1.73%1.72%1.63%2.40%2.46%2.56%2.79%+116 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 Capital23.36%24.59%24.44%25.05%25.64%26.54%27.05%28.00%+295 bps
Equity / Assets11.40%11.93%11.69%11.77%12.24%12.51%12.02%11.89%+12 bps
Liquidity & Funding
Loans / Deposits43.60%42.48%41.32%39.26%40.41%40.57%37.41%34.23%-503 bps
Liquid Assets / Assets0.07%0.08%0.19%0.18%0.19%0.19%0.19%0.17%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a