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Victory Community Bank

Fort Mitchell, KY · Cert 57277

FDIC · 3 branches

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

Victory Community Bank

Fort Mitchell, KY · Cert 57277

FDIC · 3 branches

Q1 2020

$188.1MAssets
$149.4MLoans
$146.3MDeposits
$25.4MEquity
Loan mix
99%RE $137.6M0%C&I $0.0M1%Consumer $0.7MQ1 2019Q1 2020
Deposit mix
80%Interest-bearing $116.5M20%Noninterest $29.9MQ1 2019Q1 2020

NIM

3.97%Q1 ’184.36%Q1 ’193.92%Q1 ’20+4%-17%

Non-interest income vs. expense

2.90%Q1 ’183.36%Q1 ’194.37%Q1 ’20-58%+1657%

Market Position · Cincinnati, OH-KY-IN · 2019 SOD (annual) · 0.1% share · #31 of 62 inst. · $0.1B of $139.0B

2.7% Kenton
1.3% Boone
1.2% Campbell

Executive Summary

  • Earnings: ROA of -0.23%, down 316 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 1.35% of loans (+9 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.86%, down 105 bps from a year ago.
  • Funding: loans stand at 102.13% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.23%-316 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-54 bps YoY

Efficiency Ratio (YTD, annualized)

105.15%+5,310 bps YoY

Tier 1 Leverage Ratio

13.86%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets2.93%2.91%3.24%3.48%-0.23%-316 bps
Return on Equity20.42%20.37%22.69%24.17%-1.59%-2,201 bps
Net Interest Margin3.26%3.24%3.16%3.08%2.72%-54 bps
Efficiency Ratio52.05%54.06%51.52%50.24%105.15%+5,310 bps
Non-Interest Burden0.17%0.40%0.00%-0.30%2.94%+277 bps
Growth
Asset Growth (YoY)-0.04%2.07%2.66%0.50%10.73%+1,076 bps
Loan Growth (YoY)-0.50%4.43%5.97%4.03%4.85%+535 bps
Deposit Growth (YoY)1.79%2.49%3.98%6.98%14.44%+1,265 bps
Asset Quality
Nonperforming Loans / Loans1.25%0.90%0.66%0.77%1.35%+9 bps
Net Charge-Offs / Loans-0.01%-0.21%-0.14%-0.11%-0.01%0 bps
Allowance / Loans0.92%0.86%0.85%0.89%0.89%-3 bps
Allowance Coverage of NPLs0.7x1.0x1.3x1.2x0.7x-0.1x
Capital
Tier 1 Leverage Ratio14.91%14.67%14.59%15.08%13.86%-105 bps
Total Risk-Based Capital26.73%25.52%26.11%27.88%26.40%-34 bps
Equity / Assets14.71%14.17%14.22%14.85%13.50%-121 bps
Liquidity & Funding
Loans / Deposits111.47%116.43%112.35%108.39%102.13%-934 bps
Liquid Assets / Assets9.54%7.14%8.86%6.78%16.10%+657 bps
CRE / Total Capitaln/an/an/an/an/an/an/a