Central Kentucky Federal Savings Bank

Danville, KY · Cert 31156

FDIC

Q4 2012

$120.5MAssets

$97.1MLoans

$100.4MDeposits

$13.1MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2012	Q2 2012	Q3 2012	Q4 2012	YoY Δ	Trend
Earnings
Return on Assets	0.20%	0.23%	0.28%	-0.54%	0.40%	0.05%	0.42%	0.38%	+91 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	0.53%	4.04%	3.54%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.59%	3.45%	3.38%	3.25%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	68.46%	85.41%	68.85%	73.16%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.43%	2.99%	2.26%	2.32%	n/a
Growth
Asset Growth (YoY)	-0.60%	-0.52%	-1.33%	-2.69%	-3.27%	-4.34%	-5.16%	-5.07%	-238 bps
Loan Growth (YoY)	-2.86%	-0.90%	0.78%	0.12%	0.86%	-4.07%	-7.87%	-9.18%	-930 bps
Deposit Growth (YoY)	6.17%	5.07%	3.04%	-0.83%	-0.60%	-0.82%	-1.97%	-0.41%	+42 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.47%	0.86%	0.63%	0.09%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.79%	1.74%	1.78%	1.94%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	17.83%	18.19%	19.02%	19.52%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	10.16%	10.23%	10.42%	10.84%	n/a
Liquidity & Funding
Loans / Deposits	102.20%	103.85%	104.77%	106.03%	103.71%	100.46%	98.46%	96.69%	-934 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	11.25%	12.90%	14.59%	14.85%	+1,485 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a