KY. Co. Chem.

Louisville, KY · Charter 62501

Q2 1997

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: Q2 1997, the quarter ended June 30, 1997, on both parts.

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

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Louisville, KY · Charter 62501

Q2 1997

$355KAssets

$242KLoans

$282KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-3.45%-690 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	2.68%	3.76%	3.45%	3.42%	3.56%	4.34%	-3.45%	-690 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-8.63%	-10.44%	-9.47%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	11.20%	-6.46%	-25.80%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-13.07%	-15.33%	-10.50%	n/a
Asset Quality
Delinquent Loans / Loans	0.52%	0.00%	0.90%	8.22%	13.76%	9.55%	7.18%	+628 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.02%	0.38%	0.90%	2.73%	4.63%	1.95%	5.62%	+472 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	79.40%	93.35%	103.30%	109.97%	101.56%	103.13%	85.63%	-1,767 bps
Liquid Assets / Assets	14.71%	15.11%	10.78%	12.60%	11.35%	12.68%	13.27%	+249 bps