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First Capital Bank of Kentucky, The

Louisville, KY · Cert 34125

FDIC · 10 branches

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

First Capital Bank of Kentucky, The

Louisville, KY · Cert 34125

FDIC · 10 branches

Q1 2017

$518.6MAssets
$436.6MLoans
$385.3MDeposits
$47.4MEquity
Loan mix
94%RE $251.6M5%C&I $13.2M1%Consumer $1.7MQ1 2016Q1 2017
Deposit mix
83%Interest-bearing $318.8M17%Noninterest $66.4MQ1 2016Q1 2017

NIM

3.84%Q1 ’153.87%Q1 ’163.76%Q1 ’17+1%-3%

Non-interest income vs. expense

2.71%Q1 ’152.90%Q1 ’162.92%Q1 ’17-1%+15%

Market Position · Louisville/Jefferson County, KY-IN · 2016 SOD (annual) · 1.5% share · #13 of 40 inst. · $0.4B of $25.2B

Executive Summary

  • Earnings: ROA of 0.38%, down 30 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.22% of loans (+22 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.35%, unchanged from a year ago.
  • Funding: loans stand at 113.33% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.38%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-9 bps YoY

Efficiency Ratio (YTD, annualized)

83.88%+914 bps YoY

Tier 1 Leverage Ratio

9.35%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.68%0.66%0.65%0.66%0.38%-30 bps
Return on Equity7.36%7.12%7.06%7.09%4.17%-319 bps
Net Interest Margin3.13%3.14%3.08%3.06%3.04%-9 bps
Efficiency Ratio74.74%75.54%75.76%75.78%83.88%+914 bps
Non-Interest Burden2.15%2.21%2.17%2.15%2.48%+33 bps
Growth
Asset Growth (YoY)-0.99%1.53%4.77%2.50%2.36%+335 bps
Loan Growth (YoY)-0.58%4.00%6.62%5.08%7.07%+765 bps
Deposit Growth (YoY)8.93%11.71%12.34%8.47%0.50%-843 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.22%+22 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%-0.01%0.00%+1 bps
Allowance / Loans0.57%0.57%0.55%0.55%0.54%-4 bps
Allowance Coverage of NPLsn/an/an/an/a2.4xn/an/a
Capital
Tier 1 Leverage Ratio9.35%9.31%9.31%9.41%9.35%0 bps
Total Risk-Based Capital11.74%11.67%11.49%11.82%11.51%-23 bps
Equity / Assets9.23%9.28%9.14%9.30%9.14%-10 bps
Liquidity & Funding
Loans / Deposits106.38%106.62%109.02%109.91%113.33%+695 bps
Liquid Assets / Assets1.94%1.53%2.29%2.33%0.92%-102 bps
CRE / Total Capitaln/an/an/an/an/an/an/a