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Letter portraitLegal landscapeQuarterYTD

Bank of Clinton County, Inc.

Albany, KY · Cert 21015

FDIC

Q2 2002

$40.4MAssets
$28.8MLoans
$35.5MDeposits
$4.1MEquity
Deposit mix
88%Interest-bearing $31.3M12%Noninterest $4.1MQ2 2001Q2 2002

NIM

8.86%Q1 ’018.39%Q2 ’017.20%Q2 ’02-6%+7%

Non-interest income vs. expense

3.45%Q1 ’013.73%Q2 ’013.44%Q2 ’02+14%-12%

Executive Summary

  • Earnings: ROA of 0.91%, up 56 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.85%.
  • Funding: loans stand at 81.24% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

0.91%+56 bps YoY

Net Interest Margin (quarter, annualized)

4.44%+28 bps YoY

Efficiency Ratio (quarter, annualized)

62.98%-957 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.34%0.62%0.86%1.42%0.91%+56 bps
Return on Equity3.56%6.51%8.91%14.36%9.01%+545 bps
Net Interest Margin4.16%3.99%3.88%4.33%4.44%+28 bps
Efficiency Ratio72.54%75.66%61.67%65.23%62.98%-957 bps
Non-Interest Burden2.75%2.77%2.04%2.52%2.41%-34 bps
Growth
Asset Growth (YoY)7.25%9.97%-3.18%-2.35%-3.40%-1,065 bps
Loan Growth (YoY)3.14%-2.46%-2.18%-4.55%-3.25%-639 bps
Deposit Growth (YoY)14.48%19.54%3.28%3.14%-1.82%-1,630 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.30%0.48%0.11%0.85%1.85%+54 bps
Allowance / Loans1.37%1.48%1.70%1.79%1.67%+30 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 Capital14.44%14.83%14.80%15.55%15.67%+123 bps
Equity / Assets9.59%9.46%9.84%9.98%10.16%+57 bps
Liquidity & Funding
Loans / Deposits82.44%75.76%82.50%82.35%81.24%-120 bps
Liquid Assets / Assets0.22%0.21%0.22%0.24%0.19%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a