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Letter portraitLegal landscapeQuarterYTD

Trust Company of Kentucky, National Association

Lexington, KY · Cert 33874

FDIC

Q4 2002

$2.4MAssets
n/aLoans
$9KDeposits
$2.1MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $9KQ4 2001Q4 2002

NIM

3.73%Q1 ’011.98%Q4 ’011.44%Q4 ’02-47%-27%

Non-interest income vs. expense

161.05%Q1 ’01131.49%Q4 ’01138.79%Q4 ’02-389%-81%

Executive Summary

  • Earnings: ROA of 22.83%, up 950 bps year over year; NIM at 1.44%.
  • Funding: loans stand at 0.00% of deposits as of Q4 2002.

Financial Results

Return on Assets (quarter, annualized)

22.83%+950 bps YoY

Net Interest Margin (quarter, annualized)

1.44%-54 bps YoY

Efficiency Ratio (quarter, annualized)

78.35%-710 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets13.33%0.56%12.40%-3.13%22.83%+950 bps
Return on Equity15.87%0.67%15.03%-3.87%27.60%+1,173 bps
Net Interest Margin1.98%1.38%1.26%1.08%1.44%-54 bps
Efficiency Ratio85.46%99.20%85.97%102.81%78.35%-710 bps
Non-Interest Burden-20.40%0.20%-18.58%5.78%-36.90%-1,651 bps
Growth
Asset Growth (YoY)11.79%11.22%8.96%10.64%16.32%+453 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/a111.11%57.14%900%-50.00%n/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/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 Capital109.16%105.88%109.93%107.23%121.88%+1,272 bps
Equity / Assets86.62%81.87%83.16%78.85%86.47%-15 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a