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Kentucky National Bank of Pikeville

Pikeville, KY · Cert 34113

FDIC

Q2 2007

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: Q2 2007, the quarter ended June 30, 2007, 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

Kentucky National Bank of Pikeville

Pikeville, KY · Cert 34113

FDIC

Q2 2007

$75.7MAssets
$58.5MLoans
$61.3MDeposits
$10.9MEquity
Loan mix
69%RE $24.8M30%C&I $10.9M1%Consumer $0.3MQ2 2006Q2 2007
Deposit mix
79%Interest-bearing $48.5M21%Noninterest $12.8MQ2 2006Q2 2007

NIM

5.91%Q2 ’056.78%Q2 ’067.51%Q2 ’07+4%+4%

Non-interest income vs. expense

2.48%Q2 ’052.49%Q2 ’062.70%Q2 ’07+5%+36%

Executive Summary

  • Earnings: ROA of 1.61%, down 14 bps year over year; NIM at 5.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 95.50% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

1.61%-14 bps YoY

Net Interest Margin (YTD, annualized)

5.05%+17 bps YoY

Efficiency Ratio (YTD, annualized)

53.42%+714 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.75%1.89%1.84%1.92%1.61%-14 bps
Return on Equity13.88%14.65%14.10%13.93%11.49%-238 bps
Net Interest Margin4.88%5.12%5.07%5.02%5.05%+17 bps
Efficiency Ratio46.28%45.06%47.21%49.39%53.42%+714 bps
Non-Interest Burden1.98%2.01%2.11%2.20%2.69%+71 bps
Growth
Asset Growth (YoY)0.94%-1.32%2.16%-0.28%-0.17%-111 bps
Loan Growth (YoY)4.23%9.18%5.32%8.10%5.97%+174 bps
Deposit Growth (YoY)-3.51%-7.76%-4.05%-5.56%-2.04%+147 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.66%0.44%0.33%-0.04%0.00%-67 bps
Allowance / Loans1.13%1.14%1.16%1.15%1.14%+1 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 Capital19.78%20.60%20.20%20.49%21.36%+158 bps
Equity / Assets12.96%13.92%13.53%14.04%14.42%+146 bps
Liquidity & Funding
Loans / Deposits88.28%95.09%93.10%93.78%95.50%+722 bps
Liquid Assets / Assets0.01%0.02%0.02%0.02%0.02%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a