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Campbellsville National Bank

Campbellsville, KY · Cert 33232

FDIC

Q3 2007

$70.4MAssets
$61.7MLoans
$60.6MDeposits
$6.1MEquity
Loan mix
94%RE $45.5M6%C&I $2.7M0%Consumer $0.0MQ3 2006Q3 2007
Deposit mix
84%Interest-bearing $50.7M16%Noninterest $9.9MQ3 2006Q3 2007

NIM

6.51%Q3 ’057.07%Q3 ’067.30%Q3 ’07-5%+5%

Non-interest income vs. expense

3.57%Q3 ’053.48%Q3 ’063.91%Q3 ’07-3%+10%

Executive Summary

  • Earnings: ROA of 0.84%, down 4 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 101.77% of deposits as of Q3 2007.

Financial Results

Return on Assets (quarter, annualized)

0.84%-4 bps YoY

Net Interest Margin (quarter, annualized)

4.47%+21 bps YoY

Efficiency Ratio (quarter, annualized)

72.22%+332 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.89%0.74%0.81%0.89%0.84%-4 bps
Return on Equity10.38%8.78%9.61%10.34%9.73%-65 bps
Net Interest Margin4.26%4.22%4.12%4.38%4.47%+21 bps
Efficiency Ratio68.90%73.03%70.21%68.71%72.22%+332 bps
Non-Interest Burden2.69%2.89%2.68%2.78%2.96%+28 bps
Growth
Asset Growth (YoY)6.84%8.96%7.05%4.62%7.42%+58 bps
Loan Growth (YoY)6.05%14.79%6.79%5.72%12.07%+602 bps
Deposit Growth (YoY)2.73%6.73%7.24%6.23%7.22%+449 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.26%0.05%0.09%0.12%+7 bps
Allowance / Loans1.55%1.47%1.57%1.57%1.50%-5 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 Capital13.48%12.85%13.37%13.17%12.57%-91 bps
Equity / Assets8.59%8.24%8.57%8.68%8.60%+1 bps
Liquidity & Funding
Loans / Deposits97.36%95.61%92.22%95.84%101.77%+441 bps
Liquid Assets / Assets0.06%0.07%0.36%0.36%0.30%+24 bps
CRE / Total Capitaln/an/an/an/an/an/an/a