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Central Kentucky Federal Savings Bank

Danville, KY · Cert 31156

FDIC

Q4 2012

$120.5MAssets
$97.1MLoans
$100.4MDeposits
$13.1MEquity
Loan mix
95%RE $88.6M4%C&I $3.4M2%Consumer $1.6MQ4 2011Q4 2012
Deposit mix
98%Interest-bearing $98.7M2%Noninterest $1.7MQ4 2011Q4 2012

NIM

4.90%Q1 ’124.60%Q3 ’124.39%Q4 ’12-6%-4%

Non-interest income vs. expense

2.53%Q1 ’122.46%Q3 ’122.52%Q4 ’12-7%+3%

Executive Summary

  • Earnings: ROA of 0.38%, up 91 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 96.69% of deposits as of Q4 2012.

Financial Results

Return on Assets (quarter, annualized)

0.38%+91 bps YoY

Net Interest Margin (quarter, annualized)

3.25%

Efficiency Ratio (quarter, annualized)

73.16%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.54%0.40%0.05%0.42%0.38%+91 bps
Return on Equityn/an/a0.53%4.04%3.54%n/a
Net Interest Marginn/a3.59%3.45%3.38%3.25%n/a
Efficiency Ration/a68.46%85.41%68.85%73.16%n/a
Non-Interest Burdenn/a2.43%2.99%2.26%2.32%n/a
Growth
Asset Growth (YoY)-2.69%-3.27%-4.34%-5.16%-5.07%-238 bps
Loan Growth (YoY)0.12%0.86%-4.07%-7.87%-9.18%-930 bps
Deposit Growth (YoY)-0.83%-0.60%-0.82%-1.97%-0.41%+42 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.47%0.86%0.63%0.09%n/a
Allowance / Loansn/a1.79%1.74%1.78%1.94%n/a
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 Capitaln/a17.83%18.19%19.02%19.52%n/a
Equity / Assetsn/a10.16%10.23%10.42%10.84%n/a
Liquidity & Funding
Loans / Deposits106.03%103.71%100.46%98.46%96.69%-934 bps
Liquid Assets / Assets0.00%11.25%12.90%14.59%14.85%+1,485 bps
CRE / Total Capitaln/an/an/an/an/an/an/a