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Kentucky National Bank

Elizabethtown, KY · Cert 34572

FDIC · 3 branches

Q4 2016

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: Q4 2016, the quarter ended December 31, 2016, 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

Elizabethtown, KY · Cert 34572

FDIC · 3 branches

Q4 2016

$132.5MAssets
$103.9MLoans
$112.7MDeposits
$19.0MEquity
Loan mix
90%RE $79.5M8%C&I $7.4M1%Consumer $1.0MQ4 2015Q4 2016
Deposit mix
75%Interest-bearing $84.9M25%Noninterest $27.8MQ4 2015Q4 2016

NIM

4.51%Q4 ’144.25%Q4 ’154.16%Q4 ’16-6%+1%

Non-interest income vs. expense

3.67%Q4 ’143.55%Q4 ’154.18%Q4 ’16-6%+15%

Market Position · Elizabethtown-Fort Knox, KY · 2016 SOD (annual) · 5.1% share · #9 of 17 inst. · $0.1B of $2.1B

Executive Summary

  • Earnings: ROA of 0.44%, down 29 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 11.29%, up 85 bps from a year ago.
  • Funding: loans stand at 92.23% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.44%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+4 bps YoY

Efficiency Ratio (YTD, annualized)

86.37%+1,054 bps YoY

Tier 1 Leverage Ratio

11.29%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.73%0.57%0.79%0.89%0.44%-29 bps
Return on Equity6.67%5.24%7.11%7.93%3.75%-292 bps
Net Interest Margin3.74%3.69%3.69%3.63%3.78%+4 bps
Efficiency Ratio75.84%79.33%75.17%73.26%86.37%+1,054 bps
Non-Interest Burden2.61%2.79%2.53%2.34%2.99%+38 bps
Growth
Asset Growth (YoY)2.00%1.62%1.19%-1.95%-1.58%-357 bps
Loan Growth (YoY)0.01%-2.47%-3.76%-1.80%-3.14%-315 bps
Deposit Growth (YoY)3.04%1.03%0.39%-0.45%1.91%-112 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.07%0.04%0.10%0.11%+1 bps
Allowance / Loans1.32%1.40%1.40%1.31%0.03%-129 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.44%10.67%10.98%10.96%11.29%+85 bps
Total Risk-Based Capital13.38%14.21%14.33%13.60%13.37%-1 bps
Equity / Assets10.79%11.03%11.52%11.31%14.34%+355 bps
Liquidity & Funding
Loans / Deposits97.04%93.27%95.68%95.41%92.23%-481 bps
Liquid Assets / Assets0.11%1.75%0.23%0.12%0.17%+6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a