Blue Grass

Harrodsburg, KY · Charter 20929

Q2 1999

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 1999, the quarter ended June 30, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Harrodsburg, KY · Charter 20929

Q2 1999

$1.9MAssets

$1.5MLoans

$1.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.92%-26 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.30%	4.45%	4.75%	4.18%	4.10%	3.83%	3.75%	3.92%	-26 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	6.68%	2.47%	12.21%	10.58%	11.75%	13.11%	8.23%	-397 bps
Loan Growth (YoY)	n/a	17.12%	-1.12%	2.12%	2.14%	-6.00%	7.33%	15.81%	+1,370 bps
Share Growth (YoY)	n/a	5.34%	0.91%	12.75%	11.45%	13.45%	15.55%	9.22%	-353 bps
Asset Quality
Delinquent Loans / Loans	0.41%	0.49%	1.89%	1.41%	0.33%	0.00%	0.25%	0.21%	-120 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.53%	0.31%	0.54%	0.45%	0.20%	0.29%	0.20%	0.32%	-13 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	101.72%	99.60%	102.54%	88.49%	93.23%	82.52%	95.24%	93.84%	+535 bps
Liquid Assets / Assets	15.32%	16.08%	15.20%	25.12%	21.63%	26.83%	17.50%	17.39%	-773 bps