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Grant County Deposit Bank

Williamstown, KY · Cert 9311

FDIC · 4 branches

Q3 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: Q3 2014, the quarter ended September 30, 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

Grant County Deposit Bank

Williamstown, KY · Cert 9311

FDIC · 4 branches

Q3 2014

$73.0MAssets
$40.6MLoans
$61.7MDeposits
$8.4MEquity
Loan mix
96%RE $37.5M1%C&I $0.3M3%Consumer $1.2MQ3 2013Q3 2014
Deposit mix
88%Interest-bearing $54.3M12%Noninterest $7.4MQ3 2013Q3 2014

NIM

3.97%Q3 ’123.91%Q3 ’133.88%Q3 ’14+3%+1%

Non-interest income vs. expense

3.98%Q3 ’124.44%Q3 ’135.22%Q3 ’14+32%+1%

Market Position · Cincinnati, OH-KY-IN · 2014 SOD (annual) · 0.1% share · #39 of 70 inst. · $0.1B of $79.0B

Executive Summary

  • Earnings: ROA of -0.70%, down 2 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.11%.
  • Funding: loans stand at 65.79% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.70%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+3 bps YoY

Efficiency Ratio (YTD, annualized)

126.32%-491 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.67%-0.55%0.04%-0.72%-0.70%-2 bps
Return on Equity-6.27%-5.12%0.37%-6.58%-6.31%-4 bps
Net Interest Margin3.41%3.32%3.34%3.30%3.44%+3 bps
Efficiency Ratio131.23%123.78%97.97%127.28%126.32%-491 bps
Non-Interest Burden4.47%4.15%3.26%4.39%4.53%+7 bps
Growth
Asset Growth (YoY)-11.05%-8.82%-6.98%-8.62%-9.09%+196 bps
Loan Growth (YoY)-8.23%-7.84%-8.59%-9.22%-11.32%-309 bps
Deposit Growth (YoY)-9.18%-6.79%-6.22%-8.67%-9.18%0 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.52%0.40%0.14%1.12%1.11%+59 bps
Allowance / Loans1.77%1.81%1.84%1.38%1.18%-59 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 Capital21.16%19.77%20.26%19.59%19.78%-138 bps
Equity / Assets10.81%10.56%10.86%11.25%11.52%+71 bps
Liquidity & Funding
Loans / Deposits67.38%66.13%64.93%65.62%65.79%-159 bps
Liquid Assets / Assets0.03%0.01%0.01%0.34%0.00%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a