PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens Bank and Trust Company of Grayson County, The

Leitchfield, KY · Cert 8115

FDIC

Q2 2001

$76.2MAssets
$47.5MLoans
$64.3MDeposits
$10.7MEquity
Loan mix
74%RE $23.6M26%C&I $8.2M0%Consumer $0.1MQ2 2000Q2 2001
Deposit mix
78%Interest-bearing $50.2M22%Noninterest $14.2MQ2 2000Q2 2001

NIM

7.61%Q1 ’017.16%Q2 ’01-7%

Non-interest income vs. expense

2.68%Q1 ’012.49%Q2 ’01-9%

Executive Summary

  • Earnings: ROA of 2.73%, down 39 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 73.90% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

2.73%-39 bps YoY

Net Interest Margin (YTD, annualized)

4.56%

Efficiency Ratio (YTD, annualized)

47.95%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets3.12%3.24%3.23%2.85%2.73%-39 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.92%4.56%n/a
Efficiency Ration/an/an/a48.03%47.95%n/a
Non-Interest Burdenn/an/an/a2.03%1.85%n/a
Growth
Asset Growth (YoY)-1.65%4.11%13.73%9.19%7.78%+943 bps
Loan Growth (YoY)0.39%4.29%5.19%7.77%11.30%+1,091 bps
Deposit Growth (YoY)1.78%5.02%15.86%9.79%8.25%+646 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a-0.02%-0.02%n/a
Allowance / Loansn/an/an/a1.97%1.86%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a24.93%23.41%n/a
Equity / Assetsn/an/an/a14.12%14.02%n/a
Liquidity & Funding
Loans / Deposits71.87%69.06%66.71%67.67%73.90%+203 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a