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Louisville Community Development Bank

Louisville, KY · Cert 34308

FDIC · 1 branch

Q1 2020

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 2020, the quarter ended March 31, 2020, 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

Louisville Community Development Bank

Louisville, KY · Cert 34308

FDIC · 1 branch

Q1 2020

$27.2MAssets
$12.1MLoans
$22.2MDeposits
$4.8MEquity
Loan mix
93%RE $7.7M7%C&I $0.6M0%Consumer $0.0MQ1 2019Q1 2020
Deposit mix
100%Interest-bearing $22.2M0%Noninterest $0.0MQ1 2019Q1 2020

NIM

3.22%Q1 ’183.70%Q1 ’193.37%Q1 ’20+1%-28%

Non-interest income vs. expense

4.64%Q1 ’185.35%Q1 ’194.31%Q1 ’20+65%-24%

Market Position · Louisville/Jefferson County, KY-IN · 2019 SOD (annual) · 0.1% share · #34 of 41 inst. · $0.0B of $28.2B

Executive Summary

  • Earnings: ROA of -2.11%, up 51 bps year over year; NIM at 1.79%.
  • Asset quality: problem loans at 1.68% of loans (+14 bps YoY), with net recoveries of 0.16%.
  • Capital: tier 1 leverage ratio of 17.17%, down 237 bps from a year ago.
  • Funding: loans stand at 54.69% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

-2.11%+51 bps YoY

Net Interest Margin (YTD, annualized)

1.79%-69 bps YoY

Efficiency Ratio (YTD, annualized)

194.00%-211 bps YoY

Tier 1 Leverage Ratio

17.17%-237 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets-2.62%-2.48%-2.49%-2.12%-2.11%+51 bps
Return on Equity-13.36%-12.81%-12.95%-11.14%-11.77%+159 bps
Net Interest Margin2.49%2.58%2.47%2.36%1.79%-69 bps
Efficiency Ratio196.11%184.97%184.95%168.60%194.00%-211 bps
Non-Interest Burden5.11%5.05%4.96%4.48%3.88%-123 bps
Growth
Asset Growth (YoY)-3.68%-0.23%-2.96%0.47%2.07%+576 bps
Loan Growth (YoY)4.49%-12.22%-11.62%-12.30%-11.76%-1,625 bps
Deposit Growth (YoY)-4.53%-0.01%-3.07%3.37%4.68%+921 bps
Asset Quality
Nonperforming Loans / Loans1.54%1.71%1.71%1.66%1.68%+14 bps
Net Charge-Offs / Loans-0.12%-0.28%-0.17%-0.15%-0.16%-5 bps
Allowance / Loans1.05%1.32%1.32%1.30%1.36%+31 bps
Allowance Coverage of NPLs0.7x0.8x0.8x0.8x0.8x+0.1x
Capital
Tier 1 Leverage Ratio19.54%18.81%18.46%18.18%17.17%-237 bps
Total Risk-Based Capital29.81%32.49%31.56%30.49%30.07%+26 bps
Equity / Assets19.24%18.88%18.81%18.23%17.61%-162 bps
Liquidity & Funding
Loans / Deposits64.88%56.86%57.96%57.68%54.69%-1,019 bps
Liquid Assets / Assets15.15%15.72%14.24%13.80%13.38%-177 bps
CRE / Total Capitaln/an/an/an/an/an/an/a