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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 $0.0MQ4 2005Q3 2007
Deposit mix
78%Interest-bearing $64.3M22%Noninterest $18.4MQ4 2005Q3 2007

Executive Summary

  • Earnings: ROA of 1.02%, up 8 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 93.26% of deposits as of Q3 2007.

Return on Assets (quarter, annualized)

1.02%+8 bps YoY

Net Interest Margin (quarter, annualized)

4.05%+45 bps YoY

Efficiency Ratio (quarter, annualized)

64.79%+200 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.11%Q3 ’056.66%Q3 ’067.02%Q3 ’07-3%+12%

Non-interest income vs. expense

3.51%Q3 ’052.63%Q3 ’063.07%Q3 ’07-31%+17%

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.38%0.75%0.86%0.94%0.92%0.75%0.77%1.02%+8 bps
Return on Equity3.78%7.46%8.92%9.80%9.54%8.08%8.25%10.28%+48 bps
Net Interest Margin3.54%3.62%3.72%3.61%3.53%3.37%3.58%4.05%+45 bps
Efficiency Ratio84.17%71.08%66.92%62.79%63.78%67.90%68.28%64.79%+200 bps
Non-Interest Burden2.90%2.39%2.29%2.04%2.04%2.11%2.27%2.39%+34 bps
Growth
Asset Growth (YoY)23.51%23.71%25.16%9.89%11.30%16.69%2.29%3.98%-591 bps
Loan Growth (YoY)25.52%27.82%30.96%21.21%19.11%12.23%2.26%3.72%-1,749 bps
Deposit Growth (YoY)30.48%33.04%27.92%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.19%-0.01%-0.03%-0.02%-0.03%0.02%0.07%+9 bps
Allowance / Loans1.42%1.36%1.29%1.29%1.31%1.38%1.42%1.39%+10 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 Capital16.61%15.98%15.36%15.27%15.14%15.02%15.29%15.12%-15 bps
Equity / Assets10.07%9.95%9.41%9.70%9.53%9.01%9.79%9.96%+26 bps
Liquidity & Funding
Loans / Deposits76.79%78.95%88.91%93.83%81.73%74.99%81.40%93.26%-58 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.01%0.01%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a