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PRP National Bank

Pleasure Ridge Park, KY · Cert 34809

FDIC

Q3 2007

$77.5MAssets
$51.0MLoans
$70.6MDeposits
$6.1MEquity
Deposit mix
83%Interest-bearing $58.3M17%Noninterest $12.3MQ4 2005Q3 2007

Executive Summary

  • Earnings: ROA of 0.60%, down 5 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 72.24% of deposits as of Q3 2007.

Return on Assets (YTD, annualized)

0.60%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.25%-56 bps YoY

Efficiency Ratio (YTD, annualized)

79.53%+116 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.31%Q3 ’056.45%Q3 ’066.36%Q3 ’07+8%-15%

Non-interest income vs. expense

4.01%Q3 ’053.89%Q3 ’063.67%Q3 ’07-6%-16%

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.36%0.72%0.64%0.65%0.66%0.58%0.58%0.60%-5 bps
Return on Equity4.17%8.71%7.74%7.91%7.97%7.34%7.41%7.69%-22 bps
Net Interest Margin3.58%3.70%3.81%3.81%3.71%3.17%3.37%3.25%-56 bps
Efficiency Ratio83.88%74.24%77.50%78.36%78.38%79.29%79.59%79.53%+116 bps
Non-Interest Burden2.82%2.43%2.69%2.73%2.66%2.24%2.40%2.30%-43 bps
Growth
Asset Growth (YoY)13.79%10.00%2.23%4.76%8.90%16.37%15.48%16.60%+1,184 bps
Loan Growth (YoY)34.61%28.85%14.82%10.87%17.06%4.96%-3.98%7.32%-354 bps
Deposit Growth (YoY)8.04%14.10%11.57%6.75%16.27%18.75%15.76%18.13%+1,137 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 / Loans0.27%-0.12%-0.06%-0.03%0.01%0.25%0.16%0.17%+20 bps
Allowance / Loans1.76%1.78%1.78%1.74%1.61%1.67%1.81%1.54%-20 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 Capital13.77%13.69%13.85%13.46%13.04%13.47%13.82%12.76%-70 bps
Equity / Assets8.31%8.24%8.18%8.36%8.11%7.69%7.75%7.89%-47 bps
Liquidity & Funding
Loans / Deposits80.65%78.56%77.99%79.51%81.20%69.43%64.69%72.24%-727 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a