PackageTrendsPeer
Letter portraitLegal landscape

Peoples Bank of Tompkinsville

Tompkinsville, KY · Cert 8134

FDIC

Q1 2002

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 2002, the quarter ended March 31, 2002, 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

Peoples Bank of Tompkinsville

Tompkinsville, KY · Cert 8134

FDIC

Q1 2002

$63.0MAssets
$39.5MLoans
$50.9MDeposits
$7.5MEquity
Loan mix
77%RE $20.1M22%C&I $5.8M0%Consumer $0.0MQ1 2001Q1 2002
Deposit mix
81%Interest-bearing $41.4M19%Noninterest $9.6MQ1 2001Q1 2002

NIM

7.74%Q1 ’016.69%Q1 ’02+5%

Non-interest income vs. expense

2.21%Q1 ’012.41%Q1 ’02+35%

Executive Summary

  • Earnings: ROA of 2.32%, down 10 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 77.65% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

2.32%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+22 bps YoY

Efficiency Ratio (YTD, annualized)

51.09%+485 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets2.42%2.12%1.73%1.80%2.32%-10 bps
Return on Equityn/an/an/an/a19.54%n/an/a
Net Interest Margin3.94%3.84%3.72%3.74%4.16%+22 bps
Efficiency Ratio46.24%49.52%51.95%52.62%51.09%+485 bps
Non-Interest Burden1.37%1.53%1.56%1.63%1.85%+48 bps
Growth
Asset Growth (YoY)4.08%4.88%10.48%9.70%7.84%+376 bps
Loan Growth (YoY)12.67%13.58%11.84%16.86%8.83%-384 bps
Deposit Growth (YoY)0.82%2.69%10.28%9.38%8.76%+794 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.22%0.06%0.26%0.21%0.00%-22 bps
Allowance / Loans1.03%1.15%1.31%1.26%1.28%+25 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 Capital20.58%20.29%19.51%19.43%20.06%-52 bps
Equity / Assets12.22%11.98%11.90%11.87%11.88%-35 bps
Liquidity & Funding
Loans / Deposits77.61%79.20%82.01%82.22%77.65%+4 bps
Liquid Assets / Assets22.22%25.25%23.11%22.70%24.80%+258 bps
CRE / Total Capitaln/an/an/an/an/an/an/a