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Deposit Bank of Monroe County

Tompkinsville, KY · Cert 8133

FDIC · 5 branches

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

Deposit Bank of Monroe County

Tompkinsville, KY · Cert 8133

FDIC · 5 branches

Q4 2014

$128.0MAssets
$76.8MLoans
$108.5MDeposits
$14.0MEquity
Loan mix
80%RE $49.3M10%C&I $6.1M10%Consumer $6.5MQ4 2013Q4 2014
Deposit mix
76%Interest-bearing $82.4M24%Noninterest $26.1MQ4 2013Q4 2014

NIM

4.13%Q4 ’124.17%Q4 ’133.82%Q4 ’14+4%-6%

Non-interest income vs. expense

3.45%Q4 ’123.57%Q4 ’133.22%Q4 ’14-5%-7%

Market Position · Bowling Green, KY · 2014 SOD (annual) · 0.4% share · #18 of 21 inst. · $0.0B of $2.4B

52.1% Monroe
5.0% Allen

Executive Summary

  • Earnings: ROA of 0.75%, up 11 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.
  • Funding: loans stand at 70.82% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.75%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.25%-21 bps YoY

Efficiency Ratio (YTD, annualized)

76.03%-130 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.65%0.58%0.67%0.77%0.75%+11 bps
Return on Equity5.77%5.21%5.98%6.85%6.70%+93 bps
Net Interest Margin3.45%3.40%3.44%3.43%3.25%-21 bps
Efficiency Ratio77.33%81.38%78.56%75.64%76.03%-130 bps
Non-Interest Burden2.41%2.59%2.48%2.33%2.23%-18 bps
Growth
Asset Growth (YoY)-4.58%-2.52%0.59%1.34%11.15%+1,573 bps
Loan Growth (YoY)2.58%4.82%3.74%7.68%9.35%+677 bps
Deposit Growth (YoY)-1.24%1.21%-0.79%-2.96%10.75%+1,199 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.29%0.16%0.24%0.21%+6 bps
Allowance / Loans1.50%1.41%1.38%1.23%1.17%-33 bps
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 Capital18.54%19.11%18.86%18.51%17.93%-62 bps
Equity / Assets11.10%11.17%11.43%11.52%10.93%-18 bps
Liquidity & Funding
Loans / Deposits71.73%70.91%72.35%76.81%70.82%-91 bps
Liquid Assets / Assets4.04%8.12%4.14%2.39%6.15%+211 bps
CRE / Total Capitaln/an/an/an/an/an/an/a