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Letter portraitLegal landscapeQuarterYTD

United Kentucky Bank of Pendleton County, Inc.

Falmouth, KY · Cert 33707

FDIC

Q3 2011

$25.1MAssets
$14.3MLoans
$22.8MDeposits
$2.2MEquity
Loan mix
45%RE $3.6M31%C&I $2.5M23%Consumer $1.8MQ4 2009Q3 2011
Deposit mix
88%Interest-bearing $20.2M12%Noninterest $2.6MQ4 2009Q3 2011

Executive Summary

  • Earnings: ROA of 1.50%, up 130 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 62.70% of deposits as of Q3 2011.

Return on Assets (YTD, annualized)

1.50%+130 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-13 bps YoY

Efficiency Ratio (YTD, annualized)

72.79%-1,341 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.56%Q3 ’094.20%Q3 ’103.86%Q3 ’11-2%-4%

Non-interest income vs. expense

3.61%Q3 ’093.08%Q3 ’104.11%Q3 ’11-11%-43%

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-0.88%0.17%0.16%0.20%0.32%0.12%3.65%1.50%+130 bps
Return on Equity-7.76%1.64%1.45%1.88%2.93%1.40%41.54%17.11%+1,523 bps
Net Interest Margin3.18%3.32%3.30%3.25%3.17%2.95%3.11%3.11%-13 bps
Efficiency Ratio100.00%80.78%87.52%86.20%83.29%96.86%47.21%72.79%-1,341 bps
Non-Interest Burden3.18%2.60%2.83%2.75%2.58%2.84%-0.64%1.58%-118 bps
Growth
Asset Growth (YoY)-4.51%-0.64%2.65%1.80%-0.63%-5.34%-4.67%-14.20%-1,601 bps
Loan Growth (YoY)-0.62%-0.37%1.41%0.03%1.58%-3.70%-10.63%-11.69%-1,173 bps
Deposit Growth (YoY)-4.24%0.08%3.98%2.89%-0.99%-1.17%-2.13%-11.87%-1,475 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.43%-0.03%0.41%0.26%0.15%-0.05%1.01%0.20%-6 bps
Allowance / Loans2.28%2.53%2.31%2.33%2.44%2.67%2.29%2.62%+29 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital18.12%18.82%18.94%18.95%19.04%12.49%16.13%15.31%-364 bps
Equity / Assets10.63%10.61%10.93%10.99%11.01%6.63%8.61%8.71%-228 bps
Liquidity & Funding
Loans / Deposits60.13%58.08%61.54%62.58%61.70%56.60%56.19%62.70%+12 bps
Liquid Assets / Assets26.63%26.48%27.19%27.33%27.41%26.10%26.59%29.45%+212 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a