Trust Company of Kentucky, National Association

Lexington, KY · Cert 33874

FDIC

Q4 2002

$2.4MAssets

n/aLoans

$9KDeposits

$2.1MEquity

Deposit mix

Executive Summary

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.

Metric	Q1 2001	Q2 2001	Q3 2001	Q4 2001	Q1 2002	Q2 2002	Q3 2002	Q4 2002	YoY Δ	Trend
Earnings
Return on Assets	4.59%	10.29%	5.54%	13.33%	0.56%	12.40%	-3.13%	22.83%	+950 bps
Return on Equity	n/a	12.43%	6.77%	15.87%	0.67%	15.03%	-3.87%	27.60%	+1,173 bps
Net Interest Margin	3.73%	3.39%	3.02%	1.98%	1.38%	1.26%	1.08%	1.44%	-54 bps
Efficiency Ratio	95.32%	90.25%	93.33%	85.46%	99.20%	85.97%	102.81%	78.35%	-710 bps
Non-Interest Burden	-4.17%	-13.97%	-7.04%	-20.40%	0.20%	-18.58%	5.78%	-36.90%	-1,651 bps
Growth
Asset Growth (YoY)	17.66%	18.27%	18.00%	11.79%	11.22%	8.96%	10.64%	16.32%	+453 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	111.11%	57.14%	900%	-50.00%	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	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	115.24%	103.34%	104.35%	109.16%	105.88%	109.93%	107.23%	121.88%	+1,272 bps
Equity / Assets	83.27%	82.32%	81.40%	86.62%	81.87%	83.16%	78.85%	86.47%	-15 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a