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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 $0.0MQ2 2000Q1 2002
Deposit mix
81%Interest-bearing $41.4M19%Noninterest $9.6MQ2 2000Q1 2002

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.

Return on Assets (quarter, annualized)

2.32%-10 bps YoY

Net Interest Margin (quarter, annualized)

4.16%+22 bps YoY

Efficiency Ratio (quarter, annualized)

51.09%+485 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.74%Q1 ’016.69%Q1 ’02+5%

Non-interest income vs. expense

2.21%Q1 ’012.41%Q1 ’02+35%

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets2.23%2.31%2.27%2.42%1.83%0.94%2.01%2.32%-10 bps
Return on Equityn/an/an/an/a15.09%7.89%16.91%19.54%n/a
Net Interest Marginn/an/an/a3.94%3.87%3.56%3.92%4.16%+22 bps
Efficiency Ration/an/an/a46.24%52.84%56.99%54.60%51.09%+485 bps
Non-Interest Burdenn/an/an/a1.37%1.73%1.67%1.87%1.85%+48 bps
Growth
Asset Growth (YoY)6.21%1.50%2.71%4.08%4.88%10.48%9.70%7.84%+376 bps
Loan Growth (YoY)11.80%12.30%9.17%12.67%13.58%11.84%16.86%8.83%-384 bps
Deposit Growth (YoY)6.33%0.06%1.50%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.22%-0.10%0.67%0.07%0.00%-22 bps
Allowance / Loansn/an/an/a1.03%1.15%1.31%1.26%1.28%+25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a20.58%20.29%19.51%19.43%20.06%-52 bps
Equity / Assetsn/an/an/a12.22%11.98%11.90%11.87%11.88%-35 bps
Liquidity & Funding
Loans / Deposits71.60%80.86%76.97%77.61%79.20%82.01%82.22%77.65%+4 bps
Liquid Assets / Assets0.00%0.00%0.00%22.22%25.25%23.11%22.70%24.80%+258 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a