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Hancock Bank & Trust Company

Hawesville, KY · Cert 8128

FDIC · 7 branches

Q3 2021

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: Q3 2021, the quarter ended September 30, 2021, 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

Hancock Bank & Trust Company

Hawesville, KY · Cert 8128

FDIC · 7 branches

Q3 2021

$333.8MAssets
$240.5MLoans
$281.7MDeposits
$33.9MEquity
Loan mix
90%RE $173.5M9%C&I $16.8M2%Consumer $2.9MQ3 2020Q3 2021
Deposit mix
77%Interest-bearing $217.7M23%Noninterest $64.0MQ3 2020Q3 2021

NIM

4.56%Q3 ’194.39%Q3 ’203.64%Q3 ’21-3%-14%

Non-interest income vs. expense

3.60%Q3 ’193.63%Q3 ’203.40%Q3 ’21-12%-1%

Market Position · Owensboro, KY · 2021 SOD (annual) · 3.7% share · #7 of 15 inst. · $0.1B of $3.4B

66.3% Hancock
10.6% Hopkins
8.1% Breckinridge
0.9% Warren

Executive Summary

  • Earnings: ROA of 0.50%, down 43 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.25% of loans (+17 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 10.29%, down 115 bps from a year ago.
  • Funding: loans stand at 85.38% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.50%-43 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-48 bps YoY

Efficiency Ratio (YTD, annualized)

85.35%+785 bps YoY

Tier 1 Leverage Ratio

10.29%-115 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.93%0.78%0.47%0.55%0.50%-43 bps
Return on Equity8.48%7.11%4.52%5.36%4.90%-358 bps
Net Interest Margin3.42%3.41%2.81%2.87%2.94%-48 bps
Efficiency Ratio77.50%80.49%85.74%83.91%85.35%+785 bps
Non-Interest Burden2.43%2.58%2.32%2.29%2.41%-2 bps
Growth
Asset Growth (YoY)11.11%12.72%16.04%5.63%4.69%-642 bps
Loan Growth (YoY)10.84%11.38%7.30%-1.05%-4.51%-1,536 bps
Deposit Growth (YoY)16.73%15.93%19.57%7.14%3.91%-1,282 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.11%0.19%0.94%0.25%+17 bps
Net Charge-Offs / Loans0.26%0.17%-0.04%-0.04%-0.04%-30 bps
Allowance / Loans1.09%1.11%1.18%1.15%1.20%+11 bps
Allowance Coverage of NPLs14.1x10.0x6.3x1.2x4.7x-9.3x
Capital
Tier 1 Leverage Ratio11.44%11.37%10.22%10.24%10.29%-115 bps
Total Risk-Based Capital11.44%11.37%10.22%10.24%10.29%-115 bps
Equity / Assets10.87%10.56%10.17%10.18%10.16%-71 bps
Liquidity & Funding
Loans / Deposits92.91%92.94%84.76%87.65%85.38%-753 bps
Liquid Assets / Assets1.61%1.16%2.16%1.95%2.03%+42 bps
CRE / Total Capitaln/an/an/an/an/an/an/a