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Blue Grass Community Bank, Inc.

Danville, KY · Cert 58848

FDIC · 2 branches

Q2 2018

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 2018, the quarter ended June 30, 2018, 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

Blue Grass Community Bank, Inc.

Danville, KY · Cert 58848

FDIC · 2 branches

Q2 2018

$49.0MAssets
$29.5MLoans
$40.2MDeposits
$4.9MEquity
Loan mix
84%RE $19.1M13%C&I $2.9M3%Consumer $0.8MQ2 2017Q2 2018
Deposit mix
87%Interest-bearing $35.0M13%Noninterest $5.2MQ2 2017Q2 2018

NIM

4.22%Q2 ’163.63%Q2 ’173.81%Q2 ’18-19%+6%

Non-interest income vs. expense

3.03%Q2 ’163.89%Q2 ’176.17%Q2 ’18+25%+59%

Executive Summary

  • Earnings: ROA of -2.70%, down 146 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 2.12% of loans (-2 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.79%, up 59 bps from a year ago.
  • Funding: loans stand at 73.43% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-2.70%-146 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+18 bps YoY

Efficiency Ratio (YTD, annualized)

183.89%+5,633 bps YoY

Tier 1 Leverage Ratio

9.79%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets-1.24%-1.24%-1.16%-0.61%-2.70%-146 bps
Return on Equity-13.26%-13.04%-12.11%-5.94%-26.44%-1,318 bps
Net Interest Margin2.82%2.90%2.96%2.84%3.00%+18 bps
Efficiency Ratio127.56%132.76%132.24%119.17%183.89%+5,633 bps
Non-Interest Burden3.66%3.90%3.98%3.46%5.82%+216 bps
Growth
Asset Growth (YoY)-14.87%-18.45%-19.74%-21.21%-23.67%-880 bps
Loan Growth (YoY)-32.74%-34.49%-32.17%-23.38%-19.88%+1,285 bps
Deposit Growth (YoY)-15.18%-20.24%-21.47%-22.07%-24.30%-912 bps
Asset Quality
Nonperforming Loans / Loans2.14%2.49%2.56%2.09%2.12%-2 bps
Net Charge-Offs / Loans1.24%0.84%0.45%0.00%0.02%-122 bps
Allowance / Loans1.95%2.13%2.41%2.50%2.69%+74 bps
Allowance Coverage of NPLs0.9x0.9x0.9x1.2x1.3x+0.4x
Capital
Tier 1 Leverage Ratio9.21%9.45%9.72%10.34%9.79%+59 bps
Total Risk-Based Capital17.21%17.85%18.37%18.92%17.76%+55 bps
Equity / Assets9.40%9.89%10.07%10.59%9.99%+59 bps
Liquidity & Funding
Loans / Deposits69.38%70.97%71.70%74.66%73.43%+405 bps
Liquid Assets / Assets0.11%0.07%1.27%0.36%0.33%+21 bps
CRE / Total Capitaln/an/an/an/an/an/an/a