PackageTrendsPeer
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Bank of Louisville

Louisville, KY · Cert 8778

FDIC

Q2 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: Q2 2002, the quarter ended June 30, 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

Bank of Louisville

Louisville, KY · Cert 8778

FDIC

Q2 2002

$1.8BAssets
$1.1BLoans
$1.2BDeposits
$359.1MEquity
Loan mix
62%RE $318.5M37%C&I $190.2M1%Consumer $4.1MQ2 2001Q2 2002
Deposit mix
80%Interest-bearing $941.6M20%Noninterest $239.8MQ2 2001Q2 2002

NIM

7.65%Q1 ’017.19%Q2 ’013.18%Q2 ’02-4%-42%

Non-interest income vs. expense

2.96%Q1 ’012.91%Q2 ’011.85%Q2 ’02-5%-42%

Executive Summary

  • Earnings: ROA of 0.64%, down 60 bps year over year; NIM at 2.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 93.28% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.64%-60 bps YoY

Net Interest Margin (YTD, annualized)

2.02%-149 bps YoY

Efficiency Ratio (YTD, annualized)

64.21%-153 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.24%1.20%1.27%0.30%0.64%-60 bps
Return on Equityn/an/an/a2.10%4.02%n/a
Net Interest Margin3.51%3.59%3.51%0.99%2.02%-149 bps
Efficiency Ratio65.74%66.80%64.82%64.10%64.21%-153 bps
Non-Interest Burden2.00%2.08%1.90%0.60%1.15%-85 bps
Growth
Asset Growth (YoY)8.38%12.90%16.19%13.32%8.18%-20 bps
Loan Growth (YoY)8.88%8.40%11.75%5.41%-2.28%-1,115 bps
Deposit Growth (YoY)7.08%9.88%16.01%5.20%9.21%+213 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.13%0.16%0.13%-0.01%0.03%-10 bps
Allowance / Loans0.90%0.91%0.90%2.03%2.04%+114 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 Capital12.64%12.93%12.46%10.75%10.07%-256 bps
Equity / Assets9.75%10.17%9.22%18.89%19.89%+1,014 bps
Liquidity & Funding
Loans / Deposits104.25%104.19%98.08%103.68%93.28%-1,096 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