United Kentucky Bank of Pendleton County, Inc.

Falmouth, KY · Cert 33707

FDIC

Q3 2011

$25.1MAssets

$14.3MLoans

$22.8MDeposits

$2.2MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -3.18%, down 348 bps year over year; NIM at 2.94%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.40%.
Funding: loans stand at 62.70% of deposits as of Q3 2011.

Return on Assets (quarter, annualized)

-3.18%-348 bps YoY

Net Interest Margin (quarter, annualized)

2.94%-22 bps YoY

Efficiency Ratio (quarter, annualized)

235%+15,149 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2010	Q4 2010	Q1 2011	Q2 2011	Q3 2011	YoY Δ	Trend
Earnings
Return on Assets	0.30%	0.67%	0.12%	7.30%	-3.18%	-348 bps
Return on Equity	2.75%	6.05%	1.40%	95.96%	-36.68%	-3,943 bps
Net Interest Margin	3.15%	3.22%	2.95%	3.06%	2.94%	-22 bps
Efficiency Ratio	83.12%	75.09%	96.86%	29.92%	235%	+15,149 bps
Non-Interest Burden	2.61%	2.29%	2.84%	-4.34%	6.05%	+344 bps
Growth
Asset Growth (YoY)	1.80%	-0.63%	-5.34%	-4.67%	-14.20%	-1,601 bps
Loan Growth (YoY)	0.03%	1.58%	-3.70%	-10.63%	-11.69%	-1,173 bps
Deposit Growth (YoY)	2.89%	-0.99%	-1.17%	-2.13%	-11.87%	-1,475 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.02%	-0.20%	-0.05%	2.08%	-1.40%	-137 bps
Allowance / Loans	2.33%	2.44%	2.67%	2.29%	2.62%	+29 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	18.95%	19.04%	12.49%	16.13%	15.31%	-364 bps
Equity / Assets	10.99%	11.01%	6.63%	8.61%	8.71%	-228 bps
Liquidity & Funding
Loans / Deposits	62.58%	61.70%	56.60%	56.19%	62.70%	+12 bps
Liquid Assets / Assets	27.33%	27.41%	26.10%	26.59%	29.45%	+212 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a