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Hebron Deposit Bank

Hebron, KY · Cert 9305

FDIC

Q2 2002

$101.6MAssets
$73.7MLoans
$90.2MDeposits
$9.3MEquity
Loan mix
72%RE $32.8M28%C&I $12.7M0%Consumer $0.1MQ2 2001Q2 2002
Deposit mix
87%Interest-bearing $78.8M13%Noninterest $11.4MQ2 2001Q2 2002

NIM

7.97%Q1 ’017.70%Q2 ’016.37%Q2 ’02-2%+6%

Non-interest income vs. expense

2.33%Q1 ’012.37%Q2 ’012.49%Q2 ’02-5%+3%

Executive Summary

  • Earnings: ROA of 1.67%, up 16 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 81.74% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

1.67%+16 bps YoY

Net Interest Margin (quarter, annualized)

4.23%+24 bps YoY

Efficiency Ratio (quarter, annualized)

50.64%-65 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.51%1.69%1.97%1.67%1.67%+16 bps
Return on Equity12.78%16.52%23.13%19.29%18.56%+578 bps
Net Interest Margin3.99%4.14%4.32%4.21%4.23%+24 bps
Efficiency Ratio51.28%47.17%43.82%49.80%50.64%-65 bps
Non-Interest Burden1.75%1.64%1.47%1.78%1.80%+5 bps
Growth
Asset Growth (YoY)-0.19%-1.18%-3.50%-6.04%-6.07%-587 bps
Loan Growth (YoY)9.54%4.44%0.48%-5.79%-12.36%-2,190 bps
Deposit Growth (YoY)4.49%6.51%0.62%-1.69%-2.22%-671 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.09%0.07%0.02%0.22%+15 bps
Allowance / Loans1.51%1.52%1.52%1.57%1.65%+14 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 Capital16.92%12.05%12.34%12.62%13.10%-382 bps
Equity / Assets11.92%8.48%8.51%8.82%9.15%-277 bps
Liquidity & Funding
Loans / Deposits91.20%89.10%87.66%87.33%81.74%-946 bps
Liquid Assets / Assets1.43%1.36%1.01%1.04%0.95%-48 bps
CRE / Total Capitaln/an/an/an/an/an/an/a