PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Trust Company of Kentucky, National Association

Lexington, KY · Cert 33874

FDIC

Q4 2002

$2.4MAssets
n/aLoans
$9KDeposits
$2.1MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $9KQ4 2001Q4 2002

NIM

3.73%Q1 ’012.87%Q4 ’011.26%Q4 ’02-23%-56%

Non-interest income vs. expense

161.05%Q1 ’01141.44%Q4 ’01141.40%Q4 ’02-165%-12%

Executive Summary

  • Earnings: ROA of 8.41%, down 15 bps year over year; NIM at 1.26%.
  • Funding: loans stand at 0.00% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

8.41%-15 bps YoY

Net Interest Margin (YTD, annualized)

1.26%-161 bps YoY

Efficiency Ratio (YTD, annualized)

91.20%+16 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets8.56%0.56%6.62%3.24%8.41%-15 bps
Return on Equityn/a0.67%7.89%3.93%10.09%n/a
Net Interest Margin2.87%1.38%1.26%1.20%1.26%-161 bps
Efficiency Ratio91.05%99.20%92.45%96.34%91.20%+16 bps
Non-Interest Burden-11.04%0.20%-9.20%-4.21%-12.38%-134 bps
Growth
Asset Growth (YoY)11.79%11.22%8.96%10.64%16.32%+453 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/a111.11%57.14%900%-50.00%n/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/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 Capital109.16%105.88%109.93%107.23%121.88%+1,272 bps
Equity / Assets86.62%81.87%83.16%78.85%86.47%-15 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 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