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 (YTD, annualized)

8.41%-15 bps YoY

Net Interest Margin (YTD, annualized)

1.26%-161 bps YoY

Efficiency Ratio (YTD, annualized)

91.20%+16 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

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%	7.52%	6.84%	8.56%	0.56%	6.62%	3.24%	8.41%	-15 bps
Return on Equity	n/a	n/a	n/a	n/a	0.67%	7.89%	3.93%	10.09%	n/a
Net Interest Margin	3.73%	3.49%	3.22%	2.87%	1.38%	1.26%	1.20%	1.26%	-161 bps
Efficiency Ratio	95.32%	92.68%	92.88%	91.05%	99.20%	92.45%	96.34%	91.20%	+16 bps
Non-Interest Burden	-4.17%	-8.99%	-8.04%	-11.04%	0.20%	-9.20%	-4.21%	-12.38%	-134 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