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Greensburg Deposit Bank & Trust Company

Greensburg, KY · Cert 10512

FDIC

Q3 2007

$105.4MAssets
$77.1MLoans
$82.7MDeposits
$10.5MEquity
Loan mix
96%RE $58.7M4%C&I $2.4M0%Consumer $0.0MQ3 2006Q3 2007
Deposit mix
78%Interest-bearing $64.3M22%Noninterest $18.4MQ3 2006Q3 2007

NIM

5.58%Q3 ’056.27%Q3 ’066.93%Q3 ’07-8%+3%

Non-interest income vs. expense

3.03%Q3 ’052.77%Q3 ’062.85%Q3 ’07-12%+3%

Executive Summary

  • Earnings: ROA of 0.85%, unchanged from a year ago; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 93.26% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.85%0 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+11 bps YoY

Efficiency Ratio (YTD, annualized)

66.87%0 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.85%0.87%0.75%0.77%0.85%0 bps
Return on Equity8.71%8.94%8.08%8.16%8.86%+15 bps
Net Interest Margin3.55%3.47%3.37%3.53%3.66%+11 bps
Efficiency Ratio66.87%66.09%67.90%68.09%66.87%0 bps
Non-Interest Burden2.18%2.10%2.11%2.22%2.25%+7 bps
Growth
Asset Growth (YoY)9.89%11.30%16.69%2.29%3.98%-591 bps
Loan Growth (YoY)21.21%19.11%12.23%2.26%3.72%-1,749 bps
Deposit Growth (YoY)-1.71%11.91%18.16%11.70%4.37%+607 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.03%-0.03%-0.01%0.02%-2 bps
Allowance / Loans1.29%1.31%1.38%1.42%1.39%+10 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 Capital15.27%15.14%15.02%15.29%15.12%-15 bps
Equity / Assets9.70%9.53%9.01%9.79%9.96%+26 bps
Liquidity & Funding
Loans / Deposits93.83%81.73%74.99%81.40%93.26%-58 bps
Liquid Assets / Assets0.00%0.00%0.01%0.01%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a