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Kentucky Banking Centers, Inc.

Glasgow, KY · Cert 5855

FDIC

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kentucky Banking Centers, Inc.

Glasgow, KY · Cert 5855

FDIC

Q3 2006

$124.4MAssets
$81.4MLoans
$112.4MDeposits
$9.7MEquity
Loan mix
89%RE $34.9M11%C&I $4.3M0%Consumer $0.1MQ3 2005Q3 2006
Deposit mix
90%Interest-bearing $101.6M10%Noninterest $10.8MQ3 2005Q3 2006

NIM

4.69%Q3 ’045.63%Q3 ’056.41%Q3 ’06+19%+10%

Non-interest income vs. expense

2.69%Q3 ’042.92%Q3 ’053.20%Q3 ’06+18%+13%

Executive Summary

  • Earnings: ROA of 1.08%, up 13 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 72.44% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

1.08%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+36 bps YoY

Efficiency Ratio (YTD, annualized)

68.15%+65 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.95%0.89%1.03%1.07%1.08%+13 bps
Return on Equity12.55%11.89%13.88%14.51%14.48%+194 bps
Net Interest Margin3.46%3.44%3.62%3.75%3.82%+36 bps
Efficiency Ratio67.50%67.38%74.05%71.25%68.15%+65 bps
Non-Interest Burden2.05%2.05%2.45%2.42%2.32%+27 bps
Growth
Asset Growth (YoY)-6.66%-7.82%-7.09%1.45%2.43%+909 bps
Loan Growth (YoY)-0.14%-0.07%-1.66%2.02%-0.69%-55 bps
Deposit Growth (YoY)-7.76%-6.76%-7.66%2.32%3.32%+1,108 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.23%-0.24%-0.15%0.07%+2 bps
Allowance / Loans1.50%1.46%1.45%1.40%1.37%-13 bps
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 Capital13.32%12.12%12.75%11.98%12.53%-79 bps
Equity / Assets8.28%7.19%7.73%7.24%7.77%-51 bps
Liquidity & Funding
Loans / Deposits75.36%71.00%72.72%72.86%72.44%-292 bps
Liquid Assets / Assets1.58%1.37%1.28%1.02%1.00%-58 bps
CRE / Total Capitaln/an/an/an/an/an/an/a